Centralised cryptocurrency is a digital resource designed to work as an item of trade. Additional crypto-coins can be added by mining. Everyone may participate if they have a a computer. Mining uses a great deal of hours and electrical power, though. A powerful machine is also required, to do this profitably. Conversely, XRP is a centralised asset, which can't be mined. A fixed amount of tokens were generated by the organisation and this number will never be added to.