Monte Carlo simulations find ML-DSA and Falcon meet NPP real-time SLA with under 2 ms overhead while SPHINCS+ saturates queues; migration costs peak at $21.4M with 9.56 billion records at HNDL risk.
Falcon: Fast-Fourier Lattice-based Compact Signatures over NTRU
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Post-Quantum Cryptography Migration in Australian Real-Time Payment Infrastructure: A Monte Carlo Simulation Study of the New Payments Platform
Monte Carlo simulations find ML-DSA and Falcon meet NPP real-time SLA with under 2 ms overhead while SPHINCS+ saturates queues; migration costs peak at $21.4M with 9.56 billion records at HNDL risk.