Centralised crypto-coins are a digital holding created to be used as an apparatus of trade. units are found via mining. Anyone may do this if they've access to a computer. Mining requires a great deal of time and electrical energy, however. A powerful computer is also required, to mine profitably. Conversely, XRP is a centralised resource, which is unmineable. A finite number of coins were made by the firm and this limit will never be exceeded.