Crypto Currencies and RippleCentralised crypto-coins are a digital asset built to be employed as an apparatus of exchange. Additional units can be added by mining.
Anyone may participate if they’ve access to a computer.
Mining uses a large amount of hours and electrical power, however. A fast machine is also required, to do this effectively.
Conversely, XRP is a centralised asset, which can’t be mined. A limited supply of coins were generated by the organisation and this number will never be exceeded.