Centralised cryptocurrency is a code-based holding designed to be used as a medium of exchange. New units can be created through mining. Any person may do this by using their a device. Mining uses a lot of hours and electrical power, however. A fast computer is also vital, to mine effectively. On the other hand, XRP is a centralised resource, which cannot be mined. A finite supply of units were created by the firm and this limit will never be added to.