Centralised crypto is a code-based holding designed to work as an item of trade. New units may be found via mining. Anyone is able to participate by using their a computer. Mining requires a lot of hours and electricity, however. A fast computer is also required, to do this successfully. Conversely, XRP is a centralised asset, which can't be mined. A fixed number of tokens were created by the organisation and this amount will not be added to.