Standard cryptocurrency is a code-based holding created to work as an apparatus of exchange. Additional units may be created through mining. Any person can participate if they've access to a computer. Mining uses a lot of hours and electrical energy, though. A high-powered computer is also vital, to do this profitably. On the other hand, Ripple is a centralised asset, which can't be mined. A limited amount of units were created by the firm and this amount will never be added to.