Centralised cryptocurrency is a code-based resource created to be used as an apparatus of trade. Additional coins are found via mining. Any person may participate if they've access to a device. Mining requires a large amount of hours and electrical power, however. A powerful computer is also needed, to do this profitably. However, XRP is a centralised resource, which is unmineable. A finite supply of coins were made by the company and this number will never be added to.