Normal cryptocurrency is a code-based holding created to be used as an item of trade. New coins can be added by mining. Anyone may participate if they have a a computer. Mining requires a large amount of time and electrical power, though. A fast computer is also required, to do this effectively. On the other hand, Ripple is a centralised resource, which is unmineable. A finite amount of tokens were made by the company and this limit will not be exceeded.