Standard crypto-coins are a digital holding created to be used as an item of exchange. coins may be added via mining. Everyone can participate if they have a a device. Mining requires a large amount of hours and electrical energy, however. A high-powered computer is also needed, to do this effectively. However, Ripple is a centralised resource, which can't be mined. A limited number of coins were created by the organisation and this number will not be added to.