Centralised crypto-coins are a code-based resource designed to be employed as an apparatus of exchange. Additional coins are created through mining. Any person is able to get involved by using their a device. Mining uses a large amount of hours and electrical energy, though. A high-powered machine is also required, to do this profitably. On the other hand, XRP is a centralised resource, which can't be mined. A finite number of tokens were created by the firm and this number will not be exceeded.