But if you look it in the way that all the PoW blocks will be mined in the first 3 days,
than almost 5% doesn't seem so much, even we have plans what no other altcoin will do ever.
5% is still 5%, and it is enough for you to walk away with $100K + if this coin reaches a good market cap. Its also enough to cause a crash if you do dump.
You have some nice ideas behind the coin but justifying this pre-mine is going to be your biggest challenge if you want to even just get off the launch pad.
There is a couple of coins around which have good ideas but no community support. I asked myself why, and the common factor is large pre-mine.
If your certain you need a 5% pre-mine to reach your goals for this coin then my suggestion would be to give the community a teaser of your payment system. Give us proof you have been working on this for some time. Also think of a way to give better transparency. Are you known to this community under another avatar? is there any respected community members who can vouch for you?