Centralised cryptocurrency is a code-based holding created to work as an apparatus of exchange. New coins can be created through mining. Any person is able to do this if they have a a device. Mining requires a lot of time and electrical energy, though. A powerful computer is also vital, to do this profitably. On the other hand, XRP is a centralised resource, which cannot be mined. A fixed number of tokens were made by the organisation and this amount will never be exceeded.