Is Ripple XRP a Safe Investment?

Centralised crypto-coins are a code-based resource created to work as a medium of trade. New coins can be created via mining. Everyone is able to do this by using their a device. Mining uses a lot of hours and electrical power, however. A powerful machine is also needed, to do this profitably. However, Ripple is a centralised coin, which cannot be mined. A finite number of units were generated by the organisation and this number will never be exceeded.