Centralised crypto is a code-based asset built to be used as a medium of trade. New coins are created by mining. Any person is able to participate if they have a a device. Mining requires a great deal of time and electricity, however. A fast computer is also vital, to do this successfully. However, Ripple is a centralised resource, which is unmineable. A fixed amount of units were created by the company and this amount will never be exceeded.