Standard crypto-coins are a code-based resource created to be used as an apparatus of trade. Additional coins may be added by mining. Any person may get involved if they've access to a computer. Mining uses a lot of time and electrical power, though. A fast machine is also needed, to do this profitably. Conversely, Ripple is a centralised asset, which is unmineable. A finite amount of coins were generated by the firm and this limit will never be added to.