Ripple CEO Brad Garlinghouse proposed buying the five largest cryptocurrencies by market capitalization and holding them for five years, while emphasizing that the idea was not investment advice. The basket comprises Bitcoin, Ethereum, Tether (USDT), BNB and XRP. In the same Faena Rose interview, recorded on January 22, 2026, Garlinghouse said he owns some Solana, is not an XRP maximalist and does not consider Solana a competitor to Ripple or XRP. He said XRP and Solana could both perform well over the long term and cited Solana's meme-coin activity as a source of blockchain liquidity. Garlinghouse also said XRP can be the best bridge asset for some cross-border payments, while stablecoins or fiat may better suit other customers and jurisdictions. Ripple Payments supports RLUSD, USDC, USDT and fiat across more than 60 markets; Ripple says the platform has processed more than $100 billion in payment volume and operates through a group holding more than 75 licenses globally. The remarks resurfaced on social media on September 24 and did not represent a new policy announcement. The interview also preceded the Senate's September 15 rejection of cloture on H.R. 3633 by 49-50.