Centralised crypto is a digital asset built to be employed as an item of trade. New units may be found through mining. Everyone is able to get involved if they've access to a device. Mining requires a large amount of time and electricity, though. A high-powered computer is also needed, to mine profitably. On the other hand, Ripple is a centralised asset, which can't be mined. A fixed supply of units were generated by the firm and this number will not be added to.