Centralised crypto is a digital asset created to work as an apparatus of exchange. Additional coins may be created via mining. Any person is able to do this if they have a a device. Mining uses a lot of time and electrical energy, however. A powerful computer is also required, to mine profitably. On the other hand, Ripple is a centralised asset, which cannot be mined. A limited number of tokens were made by the company and this amount will not be added to.