Standard crypto-coins are a code-based holding built to be used as a medium of exchange. New crypto-coins are created through mining. Any person is able to participate if they have a a device. Mining uses a great deal of time and electrical power, however. A high-powered computer is also needed, to mine successfully. However, XRP is a centralised asset, which can't be mined. A fixed amount of tokens were made by the company and this limit will not be added to.