Centralised cryptocurrency is a digital holding built to be used as an apparatus of exchange. New crypto-coins are created by mining. Anyone may participate if they have a a computer. Mining uses a great deal of time and electrical power, though. A high-powered computer is also required, to do this profitably. On the other hand, XRP is a centralised coin, which is unmineable. A fixed amount of coins were made by the company and this number will never be added to.