Standard crypto-coins are a digital resource created to be used as an apparatus of exchange. units may be created via mining. Any person is able to participate by using their a computer. Mining uses a large amount of time and electrical power, however. A powerful computer is also needed, to do this successfully. On the other hand, XRP is a centralised coin, which cannot be mined. A finite supply of coins were created by the company and this limit will never be exceeded.