Centralised crypto is a code-based resource created to be employed as an item of trade. New crypto-coins may be created by mining. Any person can get involved if they have a a computer. Mining uses a large amount of time and electrical energy, however. A fast machine is also vital, to do this successfully. Conversely, XRP is a centralised resource, which can't be mined. A fixed supply of units were created by the organisation and this number will not be exceeded.