Centralised crypto-coins are a code-based resource created to work as an apparatus of trade. New crypto-coins may be found by mining. Any person can get involved by using their a computer. Mining uses a lot of time and electrical power, though. A high-powered computer is also vital, to do this profitably. On the other hand, XRP is a centralised resource, which cannot be mined. A fixed number of units were generated by the firm and this limit will never be exceeded.