When comparing Stellar vs ZCash, the Slant community recommends ZCash for most people. In the question“What are the best cryptocurrencies?” ZCash is ranked 8th while Stellar is ranked 22nd. The most important reason people chose ZCash is:
ZCash is listed on Coinbase, arguably one of the easiest to use exchanges.
Specs
Ranked in these QuestionsQuestion Ranking
Pros
Pro Transparent
Not as good as BTC or LITERALLY ANY decentralized coin/token. But, you gotta hand it to them.
Pro Exchange to exchange and peer-to-peer transactions are very fast.
These transactions only take a few seconds.
Pro Traded on Coinbase
ZCash is listed on Coinbase, arguably one of the easiest to use exchanges.
Pro Anonymous
Decently Anonymous Cryptocurrency
Cons
Con Centralized
Stellar, is fully centralized. Lacking many of the features decentralized currencies possess.
Con Traceable
Not anonymous, transactions can easily be tracked.
Con Network stability issues
Con Trusted Setup
In order to remain anonymous you must utilize a set of keys set by a group of individuals. If it got cracked or somehow leaked or if this group was corrupt your transactions might not be anonymous.
There is discussion to change this: https://www.starkware.co/
More Info: https://www.reddit.com/r/zec/comments/551wnw/what_is_the_trusted_setup_in_zcash_an_overview/