Centralised cryptocurrency is a digital asset created to work as a medium of exchange. New units may be found through mining. Any person may participate if they've access to a device. Mining requires a large amount of hours and electricity, however. A powerful computer is also vital, to mine successfully. On the other hand, Ripple is a centralised resource, which can't be mined. A finite number of coins were made by the organisation and this amount will not be exceeded.