Is Ripple XRP a Safe Investment?

Standard crypto is a code-based holding created to be employed as an apparatus of trade. New units are found via mining. Everyone can participate if they've access to a computer. Mining uses a large amount of hours and electrical energy, though. A fast machine is also required, to mine effectively. Conversely, Ripple is a centralised coin, which can't be mined. A finite number of units were made by the company and this limit will not be added to.