Standard cryptocurrency is a digital asset designed to be employed as an item of exchange. Additional crypto-coins can be added via mining. Everyone can do this if they have a a device. Mining requires a great deal of time and electricity, though. A powerful machine is also needed, to mine effectively. Conversely, Ripple is a centralised asset, which can't be mined. A fixed supply of coins were created by the organisation and this amount will not be added to.