Standard crypto-coins are a code-based resource created to be used as an item of exchange. Additional coins are created through mining. Everyone may do this if they've access to a device. Mining requires a lot of time and electrical power, however. A fast computer is also vital, to mine effectively. On the other hand, XRP is a centralised resource, which can't be mined. A finite number of coins were created by the organisation and this amount will never be exceeded.