Centralised crypto-coins are a digital resource built to work as an apparatus of exchange. Additional crypto-coins are added by mining. Everyone may do this by using their a computer. Mining uses a large amount of time and electricity, however. A high-powered computer is also vital, to do this effectively. However, XRP is a centralised coin, which is unmineable. A limited amount of coins were created by the organisation and this amount will never be added to.