Centralised crypto is a code-based resource created to be employed as a medium of trade. Additional crypto-coins are created by mining. Any person is able to participate if they have a a computer. Mining uses a large amount of hours and electricity, however. A fast computer is also vital, to mine effectively. Conversely, Ripple is a centralised asset, which is unmineable. A fixed supply of tokens were generated by the firm and this limit will never be added to.