Centralised cryptocurrency is a digital asset created to be employed as a medium of exchange. Additional crypto-coins can be found through mining. Any person is able to do this if they have a a computer. Mining requires a large amount of hours and electrical power, however. A powerful computer is also needed, to mine profitably. On the other hand, XRP is a centralised asset, which is unmineable. A limited amount of coins were created by the organisation and this limit will never be exceeded.