Centralised crypto is a code-based resource designed to work as an item of exchange. Additional crypto-coins are found through mining. Everyone may participate if they have a a device. Mining uses a great deal of time and electricity, though. A powerful computer is also required, to do this profitably. Conversely, XRP is a centralised coin, which cannot be mined. A limited amount of tokens were made by the organisation and this limit will never be added to.