@Pizzasgood: My free hive maintains a guild: Axe. Any guild member can transfer any amount of credits to the guild bank, and any Axe guild member can withdraw any amount of credits from the guild bank. They do not need to be in the same sector, and they do not even need to be online at the same time. My free hive has absolutely no need of the proposed feature for internal operations. I bet many players wish they could transfer funds between characters even a fraction as easily as my free hive can. I will leave you with that thought.