Centralised crypto-coins are a digital asset created to work as a medium of exchange. Additional units can be found through mining. Any person may get involved if they've access to a computer. Mining requires a great deal of time and electrical energy, though. A fast machine is also required, to mine effectively. However, XRP is a centralised coin, which cannot be mined. A fixed number of tokens were made by the firm and this limit will not be added to.