Standard crypto-coins are a code-based asset created to be employed as an apparatus of exchange. New units are found through mining. Any person may do this if they've access to a device. Mining requires a large amount of hours and electrical power, however. A high-powered computer is also needed, to do this profitably. However, Ripple is a centralised asset, which cannot be mined. A limited supply of units were created by the organisation and this number will never be added to.