Centralised crypto is a code-based holding designed to be employed as a medium of exchange. coins are found through mining. Anyone is able to do this if they have a a computer. Mining requires a great deal of time and electrical energy, though. A high-powered computer is also required, to do this profitably. On the other hand, Ripple is a centralised asset, which cannot be mined. A finite number of coins were created by the firm and this limit will not be exceeded.