Standard cryptocurrency is a code-based resource built to work as an item of exchange. coins are found by mining. Everyone may do this if they have a a device. Mining uses a large amount of hours and electrical power, however. A high-powered machine is also needed, to do this profitably. On the other hand, XRP is a centralised resource, which is unmineable. A finite amount of tokens were created by the organisation and this limit will not be exceeded.