Normal cryptocurrency is a code-based holding created to be employed as an apparatus of exchange. New crypto-coins can be added through mining. Everyone can participate by using their a computer. Mining uses a large amount of time and electricity, though. A high-powered machine is also needed, to do this profitably. On the other hand, XRP is a centralised coin, which cannot be mined. A limited amount of tokens were generated by the company and this amount will not be added to.