Standard cryptocurrency is a digital resource designed to be used as a medium of exchange. crypto-coins are created through mining. Any person is able to do this if they have a a computer. Mining uses a large amount of time and electrical power, however. A high-powered machine is also required, to mine successfully. However, Ripple is a centralised asset, which cannot be mined. A limited amount of coins were created by the organisation and this limit will never be exceeded.