Normal crypto is a code-based holding built to be employed as an apparatus of trade. Additional units can be added via mining. Anyone can get involved if they've access to a device. Mining uses a large amount of time and electrical energy, though. A powerful computer is also required, to do this profitably. Conversely, XRP is a centralised coin, which cannot be mined. A limited amount of units were created by the organisation and this amount will never be added to.