Is Ripple XRP a Safe Investment?

Normal crypto is a code-based resource created to work as an apparatus of trade. units can be added by mining. Any person may participate by using their a device. Mining uses a lot of time and electricity, though. A powerful computer is also needed, to do this successfully. However, XRP is a centralised resource, which can't be mined. A finite amount of coins were made by the organisation and this number will never be exceeded.