Standard crypto-coins are a code-based asset created to be used as an item of trade. Additional units may be added by mining. Any person can do this if they've access to a computer. Mining requires a great deal of time and electrical energy, however. A powerful machine is also vital, to do this successfully. Conversely, XRP is a centralised asset, which is unmineable. A finite supply of tokens were generated by the firm and this limit will never be exceeded.