Is Ripple XRP a Safe Investment?

Normal crypto-coins are a code-based asset created to be used as an item of exchange. Additional units can be added through mining. Any person can do this by using their a device. Mining requires a large amount of time and electricity, however. A high-powered computer is also needed, to do this successfully. However, Ripple is a centralised asset, which is unmineable. A fixed number of units were generated by the organisation and this amount will never be exceeded.