Is Ripple XRP a Safe Investment?

Normal crypto is a digital asset created to work as a medium of exchange. New units are found through mining. Any person can participate by using their a computer. Mining requires a lot of time and electrical power, however. A fast machine is also vital, to mine successfully. Conversely, Ripple is a centralised resource, which can't be mined. A finite amount of tokens were created by the company and this amount will never be exceeded.