Centralised crypto is a code-based holding created to work as an apparatus of exchange. New crypto-coins can be added via mining. Anyone can do this by using their a device. Mining uses a large amount of time and electrical power, however. A high-powered computer is also needed, to mine profitably. However, Ripple is a centralised resource, which is unmineable. A fixed supply of coins were generated by the company and this amount will not be added to.