Normal crypto is a code-based resource built to work as a medium of exchange. Additional crypto-coins are found via mining. Anyone can do this if they've access to a device. Mining uses a great deal of hours and electricity, though. A high-powered machine is also needed, to do this successfully. Conversely, XRP is a centralised asset, which is unmineable. A fixed amount of tokens were made by the organisation and this amount will never be exceeded.