Standard cryptocurrency is a digital asset built to work as an apparatus of exchange. Additional crypto-coins may be found by mining. Anyone is able to participate if they have a a computer. Mining requires a large amount of time and electrical energy, though. A high-powered computer is also needed, to do this profitably. However, Ripple is a centralised asset, which is unmineable. A limited amount of tokens were created by the organisation and this number will not be exceeded.