Full
Outline
Post−quantum cryptography (PQC) is emerging as a critical technology for protecting financial systems against the threats posed by quantum computing and is expected to gradually replace conventional public−key cryptography. This paper systematically examines the systemic quantum threats facing the financial sector, the evolution of global PQC regulatory frameworks and standardization efforts, and the critical role of crypto−agility in facilitating a secure and timely transition. With major economies targeting the 2030–2035 period for phasing out vulnerable public−key cryptographic schemes, crypto−agility is becoming essential for financial institutions to meet emerging regulatory and compliance requirements. We further examine PQC migration across critical financial infrastructures, including central−bank payment systems, the SWIFT network, and major commercial banks, with particular attention to key technical challenges such as message−size expansion, computational overhead under hybrid cryptographic schemes, and out−of−band certificate distribution. The BIS Project Leap experiments demonstrate the functional feasibility of integrating PQC into central−bank payment infrastructures. However, the substantial message expansion caused by post−quantum signatures such as ML−DSA, along with the additional verification overhead of hybrid schemes, poses significant constraints for high−throughput clearing and settlement systems. SWIFT, meanwhile, has laid out a migration plan with SwiftNet 8.0 as its key transition node. Finally, we analyze enterprise−level migration strategies, timelines, and broader implications, showing that a comprehensive PQC transition may require 5–15 years. The analysis highlights crypto−agility and effective cross−institutional and cross−jurisdictional coordination as key factors for successful migration, providing insights into the evolution of financial infrastructures and digital trust systems in the post−quantum era.
558
289
| 科 Family | 属数 Number of genus | 种数 Number of species | 占总种数比例 Percentage of total species (%) | 属 Genus | 种数 Number of species | 占总种数比例 Percentage of total species (%) |
|---|---|---|---|---|---|---|
| 鹅膏菌科Amanitaceae | 2 | 11 | 5.26 | 鹅膏菌属 Amanita | 10 | 4.78 |
| 小菇科 Mycenaceae | 2 | 12 | 5.74 | 丝盖伞属 Inocybe | 5 | 2.39 |
| 多孔菌科 Polyporaceae | 8 | 14 | 6.70 | 蜡蘑属 Laccaria | 5 | 2.39 |
| 红菇科 Russulaceae | 3 | 23 | 11.00 | 小皮伞属 Marasmius | 6 | 2.87 |
| 小菇属 Mycena | 11 | 5.26 | ||||
| 光柄菇属 Pluteus | 5 | 2.39 | ||||
| 红菇属 Russula | 17 | 8.13 | ||||
| 栓菌属 Trametes | 5 | 2.39 |
关闭全屏
No. 86 Xueyuan South Road, Haidian District, Beijing
010-62662699(Operation and Technical Support)
qkjq@cast.org.cn
Copyright © 2025 China Association for Science and Technology. All rights reserved. For all open access content, the relevant licensing terms apply.
Sponsored by the Office of the Leading Group for Cybersecurity and Informatization of CAST, and supported by Science and Technology Review Publishing House
