Centralised crypto-coins are a code-based holding built to be used as an item of trade. coins can be created via mining. Anyone can get involved if they have a a device. Mining requires a lot of time and electricity, however. A high-powered machine is also vital, to mine effectively. However, XRP is a centralised asset, which can't be mined. A finite amount of tokens were made by the firm and this amount will never be added to.