Standard crypto-coins are a digital holding built to be used as an item of exchange. Additional crypto-coins may be created via mining. Anyone is able to participate if they have a a computer. Mining uses a large amount of time and electrical energy, though. A powerful machine is also needed, to mine effectively. Conversely, XRP is a centralised coin, which cannot be mined. A finite supply of tokens were created by the organisation and this amount will not be added to.