Is Ripple XRP a Safe Investment?

Normal crypto is a code-based asset built to be used as an apparatus of exchange. New coins can be created by mining. Everyone can do this if they have a a computer. Mining uses a lot of time and electrical energy, though. A fast machine is also needed, to mine profitably. Conversely, XRP is a centralised asset, which is unmineable. A finite amount of units were generated by the organisation and this limit will never be added to.