Centralised cryptocurrency is a code-based resource designed to work as an apparatus of exchange. coins can be created via mining. Everyone can do this if they've access to a computer. Mining requires a great deal of time and electrical energy, however. A powerful computer is also needed, to mine profitably. On the other hand, XRP is a centralised asset, which is unmineable. A finite number of tokens were generated by the company and this limit will never be added to.