Normal crypto-coins are a digital holding designed to work as an apparatus of exchange. Additional crypto-coins may be found by mining. Anyone can do this if they have a a device. Mining uses a great deal of time and electrical energy, though. A fast machine is also needed, to do this effectively. Conversely, Ripple is a centralised asset, which can't be mined. A fixed amount of coins were generated by the company and this amount will never be added to.