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I used to admire Monero, until I found out this is far superior than Monero.

yet I never heard of it, or saw it in top 10....

Because it is still in the early phase of the coin distribution.

Cool. Thats against my checklist :D
I only consider some new project to be suporior to an old one, once it get few years of unhacked, stable, buggless price increases.

First they ignore you, then they laugh at you, then they fight you, then you win.

Mahatma Gandhi

Yea. Hope it gets to the "fight" point.

I believe so. I mean, they are doing something which no one else is doing in the crypto space--the creation and/or partnership of a physical fiat denominated bank.