Standard crypto-coins are a digital asset designed to be employed as an item of trade. Additional crypto-coins can be created through mining. Everyone is able to do this by using their a computer. Mining requires a lot of time and electrical energy, though. A high-powered computer is also vital, to mine successfully. Conversely, Ripple is a centralised coin, which cannot be mined. A finite number of tokens were made by the organisation and this number will never be exceeded.