A feature I thought of earlier today was to have a way that a user could lock up funds in his or her vault, either vault-wide or address specific. There could be several lockdown periods, such as two weeks, 30, 60, and 90 days. There should be a way to initiate a lockdown without having to log into the account, for example, by texting "lockdown" followed by user's vault email address to a specific number. This would allow a user to halt any withdrawals if he or she suspects the account has been compromised (and the user's email address has also been compromised)--as could happen if a user's laptop computer were lost or stolen (let's face it, most of us do not adequately encrypt our computers!). I would think a user who is planning to deposit and hold might also trip the lockdown period on any "savings" accounts so as to remove temptation to spend funds which are intended to be saved. There would be some kind of procedure in place for lifting the lockdown (and allowing withdrawals) that would involve among other things, waiting out the lockdown period, changing the password, and communicating in some way that all is well.

I'm also all for making it easy to accept online payments from others, so having plugins that integrate DNotes vault with existing ecommerce plugins would be great.

If I ever run a successful online retail operation which takes payments in DNotes, one feature I would love to see is for payments I receive to be automatically divided and sent to different addresses within the vault. For example, I might want to take 10% of each payment I receive and put it in my retirement CRISP (you know, pay myself first), then the rest I might divide up between an expense account (to cover costs), my spending money, my CRISP for kids accounts, my employee benefits account (if I had employees), and my favorite charity. Basically, it would be the beginnings of automating the accounting and bookkeeping.

I'm not sure what DNotes has planned for an exchange or trading platform, but one thing I would love to see is the equivalent of Cryptsy or Poloniex with one major variation: The base currency that all altcoins trade to or from is DNotes, not Bitcoin. Besides that, one feature Cryptsy has that I love is autosell. You can program your account to automatically sell any coin upon deposit. One feature Poloniex has that I really love is the ability for users to lend funds to margin traders. I'm doing very well lending out Bitcoin at 0.06% daily interest rate.

And can't forget something like Coinbase which would link DNotes directly to fiat and a fiat bank account. I'm not selling DNotes right now, but when I do, it would be so nice if I didn't have to first convert to Bitcoin in order to convert to fiat.