Centralised crypto is a code-based resource built to be used as an item of trade. crypto-coins may be created by mining. Anyone can get involved by using their a computer. Mining requires a lot of hours and electrical energy, though. A powerful machine is also needed, to do this profitably. On the other hand, Ripple is a centralised asset, which can't be mined. A finite amount of tokens were generated by the organisation and this amount will never be added to.