Standard cryptocurrency is a code-based asset created to be used as an item of exchange. New coins may be found by mining. Any person can get involved if they have a a device. Mining uses a lot of time and electrical power, though. A high-powered computer is also required, to mine effectively. Conversely, XRP is a centralised resource, which is unmineable. A finite amount of units were generated by the company and this number will never be added to.