Centralised crypto is a digital holding designed to be used as an item of trade. New crypto-coins may be added through mining. Everyone is able to do this if they've access to a computer. Mining requires a lot of time and electrical power, though. A powerful computer is also needed, to do this effectively. However, Ripple is a centralised resource, which is unmineable. A finite amount of coins were created by the firm and this amount will not be exceeded.