Centralised crypto is a code-based holding built to work as an apparatus of trade. coins may be added through mining. Everyone can participate if they've access to a computer. Mining uses a lot of hours and electrical power, however. A high-powered machine is also needed, to mine effectively. On the other hand, Ripple is a centralised resource, which cannot be mined. A limited number of tokens were created by the firm and this number will never be added to.