Is Ripple XRP a Safe Investment?

Normal crypto is a code-based asset built to be used as an apparatus of exchange. Additional units can be added via mining. Anyone is able to do this if they have a a computer. Mining uses a lot of time and electricity, however. A fast machine is also needed, to do this effectively. However, XRP is a centralised asset, which is unmineable. A finite amount of units were made by the organisation and this number will never be added to.