Standard cryptocurrency is a digital resource built to work as an apparatus of exchange. Additional crypto-coins may be added via mining. Everyone is able to participate by using their a device. Mining requires a large amount of time and electricity, however. A powerful machine is also required, to do this profitably. Conversely, Ripple is a centralised asset, which can't be mined. A finite supply of tokens were generated by the company and this amount will not be added to.