Centralised crypto is a digital asset designed to work as an apparatus of exchange. Additional crypto-coins may be found through mining. Everyone can do this if they have a a computer. Mining uses a large amount of time and electrical energy, however. A fast machine is also vital, to mine successfully. On the other hand, XRP is a centralised coin, which cannot be mined. A fixed supply of units were made by the company and this amount will never be exceeded.