Standard cryptocurrency is a digital asset created to be employed as a medium of trade. Additional coins are found via mining. Everyone can do this if they've access to a device. Mining uses a large amount of hours and electricity, however. A fast machine is also required, to do this profitably. On the other hand, Ripple is a centralised resource, which can't be mined. A finite supply of tokens were created by the firm and this number will not be added to.