Centralised cryptocurrency is a code-based asset built to be employed as an item of exchange. New crypto-coins may be created via mining. Anyone can get involved if they have a a device. Mining requires a great deal of hours and electricity, though. A powerful computer is also needed, to mine successfully. On the other hand, XRP is a centralised coin, which cannot be mined. A fixed number of tokens were made by the organisation and this limit will never be added to.