Centralised crypto is a digital asset built to work as a medium of trade. crypto-coins can be found by mining. Any person can do this by using their a computer. Mining requires a lot of hours and electrical power, however. A fast computer is also vital, to do this effectively. Conversely, Ripple is a centralised asset, which is unmineable. A limited amount of units were made by the firm and this limit will never be added to.