Centralised crypto-coins are a code-based resource built to be used as a medium of exchange. New crypto-coins may be added via mining. Any person can get involved if they have a a computer. Mining requires a lot of time and electrical power, though. A powerful machine is also needed, to do this successfully. However, XRP is a centralised coin, which is unmineable. A fixed number of tokens were generated by the company and this number will not be exceeded.