Is Ripple XRP a Safe Investment?

Centralised crypto-coins are a digital holding built to work as a medium of exchange. New units may be created through mining. Everyone may get involved by using their a device. Mining requires a large amount of time and electrical energy, however. A fast computer is also required, to do this effectively. However, XRP is a centralised asset, which can't be mined. A finite supply of tokens were generated by the organisation and this limit will never be added to.