Centralised crypto is a code-based asset designed to work as an item of exchange. crypto-coins may be created through mining. Anyone can participate if they have a a computer. Mining uses a lot of hours and electricity, though. A powerful computer is also vital, to mine profitably. Conversely, Ripple is a centralised resource, which cannot be mined. A fixed number of coins were generated by the firm and this amount will never be added to.