Currently our coin is worth around 16BTC, lets make it 20 BTC if everything is mine.

Lets say, PSP generate 1 BTC per month, that in fact means 5% per month, and only the Top 20 share holders (and the paid PSP holders will receive money) so it can give a return of 7-8% per month, and this just with 1 BTC (based on current price).