Standard crypto is a code-based asset designed to be used as an apparatus of trade. Additional coins are created by mining. Everyone is able to do this if they've access to a computer. Mining uses a great deal of time and electrical power, though. A powerful computer is also vital, to do this profitably. Conversely, Ripple is a centralised resource, which cannot be mined. A fixed supply of units were created by the firm and this number will never be exceeded.