It's very interesting, I first spotted interest for Stellar when Stripe got involved. I like BTC, BCH, Stellar and Monero in that order. ETH is only a backup investment, just in case.
Change Monero with ZCash and we are in the same frequency.
20% sounds too much I agree but loom at Zclassic... no 20% but just keeping making fork ... Zcash is a solid project and the 20% probably is part of that.