Is Ripple XRP a Safe Investment?

Standard crypto is a code-based resource built to work as an apparatus of trade. New coins can be created through mining. Anyone is able to do this if they've access to a device. Mining requires a lot of hours and electrical energy, however. A powerful machine is also needed, to mine successfully. However, XRP is a centralised coin, which can't be mined. A limited amount of tokens were made by the organisation and this amount will never be added to.