Standard crypto is a code-based resource designed to work as an item of trade. Additional units can be added by mining. Everyone is able to do this by using their a computer. Mining requires a great deal of time and electrical energy, though. A fast machine is also needed, to do this profitably. Conversely, Ripple is a centralised resource, which cannot be mined. A fixed amount of coins were generated by the organisation and this number will not be added to.