Centralised cryptocurrency is a code-based holding designed to work as an apparatus of exchange. New units can be created through mining. Any person can get involved by using their a computer. Mining uses a large amount of hours and electrical power, however. A powerful computer is also vital, to do this profitably. On the other hand, XRP is a centralised resource, which can't be mined. A fixed number of coins were created by the company and this limit will not be exceeded.