Standard cryptocurrency is a digital asset designed to be used as an apparatus of exchange. Additional coins are created through mining. Everyone is able to do this if they have a a device. Mining requires a great deal of time and electrical energy, however. A high-powered computer is also vital, to mine effectively. On the other hand, XRP is a centralised resource, which is unmineable. A limited supply of units were made by the firm and this amount will not be added to.