Standard crypto is a digital holding designed to be used as a medium of trade. Additional units may be found via mining. Anyone is able to do this by using their a computer. Mining requires a large amount of hours and electricity, however. A fast computer is also needed, to do this profitably. Conversely, Ripple is a centralised asset, which cannot be mined. A fixed number of coins were created by the organisation and this limit will not be added to.