Standard crypto-coins are a digital resource created to be used as an item of trade. Additional coins can be added via mining. Anyone can participate if they've access to a device. Mining uses a lot of hours and electrical energy, though. A high-powered computer is also vital, to mine effectively. On the other hand, XRP is a centralised coin, which is unmineable. A fixed number of units were created by the firm and this amount will never be exceeded.