Centralised crypto is a code-based resource designed to be used as an apparatus of trade. New crypto-coins can be created through mining. Everyone may get involved if they have a a computer. Mining requires a lot of time and electricity, however. A high-powered machine is also required, to do this effectively. Conversely, XRP is a centralised coin, which can't be mined. A finite supply of units were created by the organisation and this number will not be exceeded.