Is Ripple XRP a Safe Investment?

Normal crypto-coins are a digital resource created to be employed as an apparatus of trade. Additional units are created via mining. Everyone is able to get involved if they've access to a computer. Mining requires a large amount of hours and electrical power, though. A fast machine is also needed, to do this profitably. However, XRP is a centralised resource, which cannot be mined. A finite amount of units were made by the organisation and this amount will never be exceeded.