Standard cryptocurrency is a code-based holding built to be used as an item of trade. New units can be added via mining. Any person is able to get involved by using their a computer. Mining requires a large amount of hours and electrical power, though. A high-powered machine is also required, to mine profitably. On the other hand, XRP is a centralised resource, which can't be mined. A finite amount of units were made by the organisation and this limit will not be added to.