- Dark-pool auction settlement every N seconds (eg. 30+), rather than continuous settlement, to reduce fees for people who don't want bitcoins immediately, just at some time.
 - Scheduled buy/sell orders, (eg. buy $10 of bitcoins every hour, +/- 10 minutes, or VWAP trades)
 - OpenTransactions support, so fiat money & bitcoins aren't stored on the exchange
 - BTC/Gold trading or quantos
 - Margin trading
 - Yubikeys
 - Pre-filled forms for US tax reporting

Also, the Bitcoin community needs to prefund organisations to support future legal issues with Bitcoin. There will be legal cases in future, and we will need at least one organisation to stand against the vested interests of fiat money. At the moment the best origin for this organisation is one of the exchanges, where the money is being made.