Standard crypto is a code-based asset created to work as an item of trade. New crypto-coins may be found via mining. Any person can do this if they've access to a computer. Mining uses a great deal of hours and electrical power, however. A powerful computer is also needed, to mine effectively. On the other hand, Ripple is a centralised coin, which is unmineable. A limited amount of tokens were made by the firm and this number will not be exceeded.