Standard crypto is a code-based asset created to work as an apparatus of trade. New units are added by mining. Any person is able to participate if they've access to a computer. Mining requires a great deal of hours and electrical energy, however. A fast machine is also required, to do this effectively. Conversely, XRP is a centralised coin, which is unmineable. A fixed amount of coins were created by the firm and this limit will never be exceeded.