A system for providing resource distribution channels based on predicting future resource distributions typically includes a classical computer apparatus and a quantum optimizer in communication with the classical computer apparatus. The classical computer apparatus identifies resource transfer information related to a resource transfer of a user, wherein the user receives a resource collection as a result of the resource transfer. The quantum optimizer analyzes the resource transfer information to predict a future resource distribution of the resource collection. The classical computer apparatus then compares attributes of the future resource distribution to attributes of multiple resource distribution channels, identifies a resource distribution channel having attributes corresponding to the attributes of the future resource distribution, and transmits a command configured to cause a client application stored on a device of the user to display an interface having a selectable option for transferring the resource collection using the resource distribution channel.