Standard cryptocurrency is a digital asset built to be used as an apparatus of exchange. Additional crypto-coins may be added by mining. Everyone may participate if they have a a device. Mining requires a great deal of time and electrical power, though. A high-powered machine is also needed, to do this profitably. On the other hand, Ripple is a centralised asset, which cannot be mined. A finite number of coins were made by the company and this number will not be added to.