Centralised crypto-coins are a code-based resource created to work as an apparatus of trade. New crypto-coins are found by mining. Anyone can get involved if they have a a computer. Mining uses a lot of hours and electrical energy, however. A high-powered computer is also vital, to mine successfully. Conversely, Ripple is a centralised coin, which cannot be mined. A fixed number of tokens were made by the organisation and this amount will never be added to.