Standard cryptocurrency is a code-based asset designed to be employed as a medium of trade. Additional units are found via mining. Everyone can do this if they've access to a computer. Mining uses a large amount of time and electrical power, though. A high-powered computer is also needed, to do this successfully. Conversely, XRP is a centralised asset, which cannot be mined. A finite supply of coins were generated by the organisation and this limit will not be exceeded.