Standard crypto-coins are a digital holding built to be employed as an item of exchange. Additional crypto-coins can be created through mining. Anyone is able to participate if they have a a computer. Mining uses a large amount of time and electrical power, however. A fast machine is also vital, to do this profitably. Conversely, XRP is a centralised resource, which is unmineable. A finite supply of coins were made by the organisation and this amount will not be added to.