Centralised crypto is a code-based resource built to work as an item of exchange. crypto-coins can be added by mining. Any person can get involved if they have a a computer. Mining requires a great deal of time and electricity, however. A high-powered computer is also required, to mine profitably. On the other hand, Ripple is a centralised asset, which is unmineable. A limited number of coins were made by the firm and this number will not be exceeded.