Centralised crypto-coins are a digital asset created to be used as an item of exchange. crypto-coins may be created via mining. Anyone may get involved by using their a device. Mining requires a great deal of time and electrical energy, however. A high-powered computer is also required, to do this effectively. On the other hand, XRP is a centralised resource, which can't be mined. A limited amount of units were made by the company and this limit will never be added to.