Standard crypto-coins are a digital asset built to be employed as a medium of exchange. New coins are found through mining. Any person is able to do this if they've access to a computer. Mining requires a lot of time and electricity, though. A high-powered machine is also required, to do this successfully. Conversely, XRP is a centralised coin, which is unmineable. A finite number of tokens were created by the organisation and this amount will never be exceeded.