Normal crypto-coins are a code-based resource built to work as an item of trade. New coins may be found via mining. Any person may do this if they've access to a computer. Mining uses a great deal of time and electrical power, however. A high-powered computer is also required, to mine effectively. Conversely, XRP is a centralised asset, which is unmineable. A finite amount of tokens were created by the organisation and this amount will never be exceeded.