Centralised crypto-coins are a digital holding built to work as a medium of trade. New coins can be found through mining. Anyone is able to do this by using their a computer. Mining uses a great deal of hours and electrical energy, though. A powerful machine is also needed, to do this successfully. Conversely, XRP is a centralised coin, which is unmineable. A limited amount of coins were generated by the firm and this amount will never be added to.