Centralised crypto is a code-based resource designed to be used as an item of exchange. New units may be found via mining. Anyone is able to do this if they've access to a computer. Mining uses a large amount of hours and electrical power, however. A high-powered machine is also required, to do this successfully. On the other hand, XRP is a centralised resource, which can't be mined. A finite number of coins were generated by the firm and this limit will never be exceeded.