Standard cryptocurrency is a code-based asset created to be employed as an apparatus of trade. New coins can be found via mining. Any person may do this if they've access to a computer. Mining requires a large amount of time and electricity, however. A high-powered computer is also needed, to do this profitably. On the other hand, Ripple is a centralised coin, which cannot be mined. A finite number of units were made by the firm and this amount will never be added to.