Excellent article another feature that could be added is for people to hold STEEM and Steem Dollars in partner-locked "savings" accounts. These "savings" accounts could add a "trusted partner ID verification" (or multiple partner ID verifications ) to any transfer request. This would make near instant withdrawals possible with no need for a time delay. Beneficial for those needing liquidity at all times.

This could be implemented by submitting the phone numbers of " trusted partners " who could submit the verification along with a code from googles "authentication app" on their phone/s.