Okay so two things... the 18 coins instead of 20.
This is because there is a donation address. You can opt out of it(just look at staking tab). Users had been requesting it for years to help development (I personally was indifferent because I didn't feel like it helped to put sell pressure on the orderbook even if it was for development). Either way, every user can choose to opt in or opt out to contributing a small amount of the stake reward to development. In absolutely no way is it required (as that would not be decentralized). It goes to the foundation address which is managed by Craig, Bjorn, Shorn, etc. Also this feature is only in the QT and not in Halo wallet. Halo already had a donation option but it was not automatically applied to anyone or anything.
The second thing is, you must be on a fork. Unfortunately, if you are getting blocks every minute somehow you ended up on a fork. I would say we need more stakers. You will unfortunately have to resynchronize (of course back everything up). Might take you a few days. You can confirm that you are on a fork since your latest block hash won't match chainz and your block number won't match them either. To avoid in the future try updating your list of nodes and add some from chainz.
Thanks for the informative and helpful response David. Re nodes; where do I insert them into the BAY blockchain directory? There does not appear to be a .conf file?
The QT does not come with a config file, you have to make one. And it is in the standard data directory in roaming. The markets client however does and for that just edit it.
What editing does the markets client .conf require?
server=1
rpcuser=bitbayrpc
rpcpassword=77628bff0a7df3e04d545cd8c487140fabba84415c6fbdfbd7c5e590e0fa52cf
rpcport=19915
addnode=195.181.242.206
addnode=151.236.221.10
addnode=108.61.163.182
addnode=45.79.94.206
addnode=139.162.226.144
addnode=172.104.25.65
addnode=172.104.248.46
etc
etc