Standard crypto-coins are a code-based resource created to be used as a medium of exchange. New crypto-coins are added via mining. Everyone may get involved by using their a computer. Mining uses a large amount of time and electricity, though. A fast computer is also needed, to do this profitably. Conversely, XRP is a centralised asset, which cannot be mined. A fixed number of units were generated by the firm and this number will not be exceeded.