I believe that Pundi X is your best bet in 2020. Here are my reasons why:

Tangible products, tangible plan
The Pundi X objective is "Making currency available to everyone". And I feel they are doing a great job in achieving just that; and not with just words. They have physical products on offer. For merchants, you can go ahead and purchase their XPOS which is as the name states a point of sale for the merchant.

Less geek-talk, more practicality
So basically, while many coin organizations claim about how their amazing coin with the highest rated geek technology is state of the art and should take the world by storm, nobody understands how they should start using it because such coins lack real life ease of applicability. This is where I feel Pundi X are making things more practical and easier for the average end-user to understand and try out.

Payments in alt coins or fiat
The customer, who also owns a payment card from Pundi X (physical or virtual) may go ahead and make a payment using their favorite alt coin or tradition fiat currency like Euro or USD. The merchant may also decide if he would like to receive his payments in alt coin or have the translation immediately converted to fiat.

Roadmap 2020 best ideas
Launch XPOS Reseller Program. This would make it attractive for re-sellers to try and sell the XPOS to merchants. Secondly, to set up more XPOS distributor network in Europe. Yes, the entire continent of Europe, sounds like a good plan, we are always interested in innovation, at least in the most Westernized parts of Europe.

So, based on these trends and the direction this business is going, I recommend to hodl NPXS.

In the mean time, check out the Pundi X whitepaper here.

Visit Pundi X: https://pundix.com/

Or buy some NPXS on Binance: https://www.binance.com/en/register?ref=YLX2AGP9