Hi Bitfinex, just read your entire forum thread. This took a long time (particularly the discussions about FRR!). Just wanted to say well done on running such a professional exchange, which has transitioned from a small project to become the largest BTC/USD exchange in the world. I have only been using your site for a short time, but so far I am very impressed. I do have a feature request for you.
Feature request: - optional increased security on withdrawals. When withdrawing I want to be asked for a google auth code AND an sms code AND email confirmation AND a secondary password used only for withdrawals. Some other exchanges already do this, including your main Chinese competitor. This feature will reduce account hackings and increase people's trust in your exchange. I recommend making the increased security features optional, so that people who are happy with the current security measures can continue unaffected.
If you email support, we can give you increased security requirements. Some people have asked us to not disable 2FA unless they have a skype call and they hold up their passport. Security is definitely a tradeoff, and each person is going to want either more security or more convenience. Our defaults are based on the necessary amount of security, but for those just as paranoid as us, we are very willing to increase the security level.