Standard crypto-coins are a digital holding designed to be used as a medium of exchange. New units are created by mining. Anyone can participate if they've access to a device. Mining requires a great deal of hours and electricity, though. A high-powered computer is also vital, to mine effectively. On the other hand, XRP is a centralised asset, which cannot be mined. A limited amount of tokens were made by the company and this limit will not be added to.