Standard crypto-coins are a digital resource built to be used as an item of trade. New crypto-coins are added via mining. Any person is able to participate by using their a computer. Mining requires a lot of time and electrical power, however. A high-powered machine is also needed, to mine profitably. Conversely, XRP is a centralised resource, which is unmineable. A limited amount of units were created by the organisation and this number will never be added to.