W3C released XML Advanced Electronic Signatures (XAdES) as a Note. XAdES extends XML-Signature (XMLDSIG) to support signatures valid over long periods and to comply with the requirements of European Directive on electronic signatures. Does this impact 3D-Secure? No, because its the card issuer that signs in 3D-Secure, not the cardholder. Future 3D-Secure architectures might support cardholder signatures as well as leveraging P2P infrastructures, but I'll be glad just to see current 3D-Secure become ubiquitous. I think 3D-Secure adoption has slowed lately.