Centralised crypto is a digital asset created to work as an item of trade. Additional coins can be found through mining. Everyone can do this if they have a a device. Mining requires a great deal of hours and electrical power, however. A fast computer is also required, to mine effectively. On the other hand, Ripple is a centralised coin, which is unmineable. A fixed supply of units were created by the company and this amount will not be added to.