Centralised cryptocurrency is a digital holding created to work as a medium of trade. New units are found through mining. Everyone may do this if they've access to a device. Mining requires a large amount of hours and electricity, though. A high-powered machine is also vital, to mine profitably. On the other hand, XRP is a centralised resource, which is unmineable. A fixed amount of coins were generated by the organisation and this limit will never be added to.