Centralised crypto-coins are a code-based asset designed to be employed as an item of trade. units are added through mining. Any person can participate if they have a a computer. Mining uses a large amount of hours and electricity, though. A high-powered computer is also required, to do this effectively. However, XRP is a centralised asset, which is unmineable. A limited amount of tokens were created by the company and this limit will not be exceeded.