Centralised crypto-coins are a digital asset created to work as an apparatus of trade. coins can be found by mining. Any person may participate if they have a a device. Mining uses a lot of hours and electrical energy, however. A fast computer is also required, to do this profitably. Conversely, Ripple is a centralised resource, which is unmineable. A fixed number of tokens were made by the company and this number will not be exceeded.