Centralised crypto-coins are a code-based asset built to work as an item of trade. coins may be found by mining. Anyone can do this if they've access to a computer. Mining uses a large amount of time and electrical energy, though. A high-powered computer is also required, to do this successfully. On the other hand, Ripple is a centralised resource, which can't be mined. A fixed supply of coins were made by the firm and this limit will not be added to.