Source time Edition date
XRP Ledger maps out quantum-proof accounts, with no extra fees for users
XRP Ledger规划抗量子账户，用户无需额外费用
XRP holders gain a concrete migration path because the XRP Ledger Foundation's design adds a quantum-resistant key and disables the old one without extra fees, with 2028 as the stated target.
Judgment
XRP Ledger account holders—not the Foundation alone—must decide whether to add a quantum-resistant key and retire the old one before 2028, accepting migration work in exchange for removing long-term key risk without extra fees.
Basis
CoinDesk reports the XRP Ledger Foundation’s design: owners can add a quantum-resistant key and switch off the old one, on a roadmap targeting a full transition by 2028. The mechanism is account-level key replacement, so the migration burden falls on each holder while the protocol fee remains unchanged.
Unclear The source does not say which wallets support the new key, how holders prove control during migration, or what happens if the old key is disabled prematurely.
Next Check whether the XRP Ledger Foundation publishes a migration guide with wallet support and a dated testnet activation before any mainnet switch.