Multisig is supported with version 0.12.0.0, so Level2 is to come. With Monero you have chosen a bad example. Monero is the only coin that has no problems to stand out from other Altcoin. Those who have bet on transactions speed will lose to the lightning network. But Monero offers privacy at Level1. Also, the monero dev have understood the unix philosophy. The monero daemon just takes care of the blockchain and the wallet just handles the private key ..kovri takes care of privacy on the ip layer. <- Nerds love this concept.