Is Ripple XRP a Safe Investment?

Standard cryptocurrency is a code-based asset designed to be used as a medium of exchange. New units are added by mining. Any person can get involved if they have a a computer. Mining uses a lot of hours and electricity, though. A fast computer is also needed, to do this successfully. On the other hand, Ripple is a centralised resource, which cannot be mined. A finite amount of tokens were made by the organisation and this number will never be exceeded.