Standard crypto-coins are a digital asset built to be used as an apparatus of trade. New units may be added by mining. Everyone is able to get involved if they've access to a computer. Mining requires a lot of hours and electrical energy, however. A powerful machine is also vital, to mine profitably. On the other hand, XRP is a centralised asset, which is unmineable. A finite number of units were generated by the company and this limit will not be exceeded.