Normal crypto-coins are a code-based resource designed to work as an apparatus of trade. New units may be found by mining. Anyone can do this if they have a a computer. Mining uses a large amount of time and electrical energy, however. A powerful computer is also needed, to do this successfully. Conversely, XRP is a centralised coin, which cannot be mined. A fixed amount of coins were made by the company and this amount will never be exceeded.