Centralised cryptocurrency is a code-based resource created to be employed as an item of exchange. New units are created via mining. Everyone may do this if they have a a device. Mining requires a lot of time and electrical power, however. A fast machine is also needed, to mine profitably. Conversely, Ripple is a centralised resource, which cannot be mined. A limited amount of tokens were generated by the company and this number will not be added to.