Standard cryptocurrency is a code-based asset created to be used as an item of exchange. Additional coins may be found via mining. Everyone may get involved if they've access to a computer. Mining requires a large amount of time and electrical power, however. A fast machine is also required, to do this profitably. On the other hand, XRP is a centralised asset, which is unmineable. A fixed supply of coins were created by the firm and this number will not be exceeded.