Centralised cryptocurrency is a code-based resource designed to be employed as an item of exchange. Additional coins are found through mining. Any person may participate by using their a computer. Mining uses a lot of hours and electricity, though. A high-powered computer is also needed, to mine effectively. On the other hand, Ripple is a centralised coin, which can't be mined. A limited number of tokens were created by the company and this number will not be exceeded.