Centralised crypto is a code-based asset created to be used as a medium of trade. Additional crypto-coins are added via mining. Any person may do this by using their a device. Mining requires a great deal of time and electrical power, however. A high-powered computer is also required, to do this profitably. On the other hand, XRP is a centralised asset, which cannot be mined. A fixed number of units were created by the company and this number will not be exceeded.