Is Ripple XRP a Safe Investment?

Normal crypto-coins are a code-based asset designed to be used as an apparatus of trade. New units are created by mining. Any person can get involved if they have a a device. Mining uses a large amount of hours and electrical power, however. A powerful machine is also needed, to mine successfully. However, Ripple is a centralised coin, which cannot be mined. A fixed number of units were generated by the organisation and this limit will never be added to.