Thank you for your reply.
Oh yes...you are correct about Ripple....bleujay actually has some as well.
Between Monero and Zcash.....oh dear...lets say Monero as it is a bit of a sleeper at the moment....however the thinking is that it will shed its less than stellar reputation....and will be the one to watch...so for the possibility of growth...Monero.
Both will do well in bleujay's opinion.....certainly as governments catch on.
Cheers.