Centralised cryptocurrency is a digital resource designed to be used as an apparatus of exchange. coins can be created by mining. Any person can get involved if they've access to a computer. Mining requires a large amount of time and electrical power, though. A fast machine is also vital, to do this successfully. However, XRP is a centralised asset, which can't be mined. A fixed supply of units were created by the company and this amount will not be added to.