Standard crypto-coins are a code-based holding built to be employed as an apparatus of trade. New crypto-coins are created via mining. Any person is able to participate by using their a device. Mining uses a large amount of time and electrical energy, however. A powerful machine is also vital, to do this effectively. Conversely, XRP is a centralised coin, which is unmineable. A finite amount of coins were generated by the organisation and this number will not be exceeded.