Standard crypto is a digital asset designed to be used as an item of trade. coins can be created via mining. Anyone can get involved if they've access to a computer. Mining uses a great deal of hours and electrical power, though. A high-powered computer is also required, to do this successfully. On the other hand, XRP is a centralised asset, which is unmineable. A fixed supply of coins were created by the organisation and this limit will never be exceeded.