Normal crypto is a digital asset designed to work as an apparatus of exchange. Additional crypto-coins may be found through mining. Anyone is able to do this if they have a a computer. Mining uses a large amount of hours and electrical power, however. A fast computer is also needed, to do this effectively. On the other hand, XRP is a centralised asset, which cannot be mined. A fixed amount of units were created by the firm and this amount will not be added to.