Centralised crypto is a code-based asset built to work as a medium of trade. New coins are found via mining. Anyone can get involved if they've access to a device. Mining uses a large amount of hours and electrical power, though. A high-powered machine is also required, to mine successfully. On the other hand, XRP is a centralised coin, which cannot be mined. A fixed amount of units were generated by the firm and this limit will never be exceeded.