Is Ripple XRP a Safe Investment?

Normal cryptocurrency is a code-based holding built to be employed as an apparatus of trade. New units are created by mining. Everyone can participate by using their a device. Mining requires a lot of hours and electrical energy, though. A powerful machine is also required, to do this successfully. However, Ripple is a centralised coin, which can't be mined. A fixed number of tokens were made by the organisation and this limit will never be exceeded.