Centralised cryptocurrency is a code-based asset designed to be employed as an apparatus of exchange. Additional crypto-coins can be added through mining. Everyone can do this if they've access to a computer. Mining requires a great deal of hours and electrical power, however. A powerful machine is also required, to do this successfully. However, XRP is a centralised asset, which can't be mined. A limited supply of tokens were made by the company and this number will not be exceeded.