Is Ripple XRP a Safe Investment?

Standard cryptocurrency is a code-based asset built to be used as a medium of exchange. New units can be added by mining. Anyone can participate by using their a computer. Mining requires a great deal of hours and electricity, however. A fast computer is also required, to do this successfully. On the other hand, XRP is a centralised asset, which cannot be mined. A limited number of units were created by the company and this limit will never be added to.