Standard crypto-coins are a code-based asset created to be used as a medium of exchange. crypto-coins are created via mining. Any person is able to get involved if they've access to a device. Mining uses a great deal of time and electricity, however. A high-powered machine is also required, to do this profitably. On the other hand, Ripple is a centralised coin, which cannot be mined. A finite amount of units were made by the organisation and this number will never be added to.