Standard cryptocurrency is a code-based holding designed to be used as an item of exchange. New units may be added through mining. Anyone can participate if they've access to a device. Mining requires a large amount of time and electrical power, though. A powerful machine is also needed, to do this effectively. On the other hand, XRP is a centralised asset, which is unmineable. A fixed number of coins were created by the company and this amount will not be added to.