Is Ripple XRP a Safe Investment?

Normal crypto is a digital holding built to be used as an apparatus of exchange. New crypto-coins can be found via mining. Everyone is able to participate if they have a a device. Mining uses a large amount of hours and electrical energy, though. A fast machine is also needed, to do this effectively. However, XRP is a centralised coin, which is unmineable. A limited amount of coins were generated by the company and this limit will never be exceeded.