Will a major global bank run a quantum-secured transaction system by 2029?

Bank Vaults Made of Qubits

The financial world treats security not as a feature but as a lifeline, and quantum-safe systems hover on the horizon like armored monoliths. Banks experiment quietly, often buried beneath layers of nondisclosure and conservative risk frameworks.

The transition will not be flamboyant. Instead, it will seep in—first in interbank messaging, then in high-value settlements, and eventually retail flows. As quantum-capable adversaries grow more plausible, hesitation becomes peril.

My forecast: a top-tier bank will adopt quantum-secured channels before 2029, driven less by innovation ambition and more by institutional survival instincts. The shift will be subtle, almost invisible, but no less historic.