Standard crypto-coins are a digital asset built to be employed as an apparatus of exchange. units are created by mining. Everyone is able to participate if they've access to a device. Mining requires a great deal of time and electrical power, though. A fast computer is also required, to do this profitably. Conversely, Ripple is a centralised asset, which can't be mined. A fixed amount of units were made by the organisation and this limit will not be exceeded.