Centralised crypto-coins are a digital holding designed to be employed as an item of trade. crypto-coins may be added via mining. Any person is able to get involved by using their a computer. Mining uses a lot of hours and electrical energy, however. A high-powered machine is also vital, to do this effectively. Conversely, XRP is a centralised asset, which cannot be mined. A fixed number of tokens were generated by the company and this number will never be added to.