Hi there I’m (sort of) new to bitcoin with a credit finance background. I have a suggestion to the bitcoin core developers.
Future BIP might consider a pledging function for the UTXOs. Meaning, committing a UTXO to an address without actually sending it. It’s like an exclusive pointer which can only be used once per UTXO at any given time. This is useful not unlike a bank guarantee often used in legacy finance.
The receiving address has no control to the relevant bitcoin, but knowing that a certain UTXO is exclusively pointing to it. Also, only the original UTXO private key holder can revoke the pledge. A pledged UTXO can’t be spent.