Cryptographic Agility for Real-Time Payment Systems: A Post-Quantum Architecture and Performance Evaluation

Abstract

Quantum computing creates major problems for already in place cryptographic systems supporting real-time payment networks, which manage great daily transaction volumes while upholding strict performance and security criteria. Financial institutions need strong solutions for moving from present cryptographic techniques to quantum-resistant ones without upsetting essential payment processes. A novel architectural approach has been developed that facilitates dynamic cryptographic algorithm deployment through modular system design, centralized policy management, and dual-algorithm operational capabilities supporting both traditional and quantum-resistant cryptographic methods simultaneously. Extensive testing reveals that quantum-resistant cryptographic algorithms can be deployed in live payment environments while meeting established performance benchmarks for transaction speed and system throughput. The solution addresses key deployment challenges, including system integration difficulties, cross-platform compatibility issues, scalable key management infrastructure, and adherence to financial regulations, through structured implementation approaches and innovative system design. Findings demonstrate that payment systems equipped with flexible cryptographic capabilities can withstand quantum computing threats while maintaining the high-performance standards required by contemporary financial operations.