Is Ripple XRP a Safe Investment?

Standard crypto-coins are a code-based asset created to be used as an item of trade. Additional coins may be created through mining. Any person may participate if they have a a device. Mining requires a large amount of hours and electricity, though. A high-powered machine is also needed, to mine profitably. On the other hand, Ripple is a centralised coin, which cannot be mined. A finite number of units were generated by the organisation and this amount will never be exceeded.