This proposes a new wallet-layer BIP for a practical hybrid post-quantum key derivation scheme.
Reference implementation: https://github.com/DigiMancer3D/bip-xxx-sphincs-hybrid
The BIP and code have been written to be immediately usable by wallet developers and advanced users building quantum-resistant paper wallets / cold storage today. It requires no consensus changes and works with existing tools (Electrum, bitaddress.org, Taproot, etc.).
Awaiting BIP editor assignment of a real number (replacing XXX).