Being rather self-explanatory, I suggest it being separate, personal funds for a player in the clan they’re in.
Features:
(Yes) - They are able to deposit and withdraw from that personal fund.
(Yes) - It can be used in clan building as a third bank option.
(Maybe) - It has it’s own leveling system; Meaning the player (singular) will have to expand it’s limit by themselves.
(Maybe) - It’s limit scales with the clan funds limit.
(No) - No, farms won’t deposit any galleons in this separate, personal fund.
(No) - No, it’s not for all players in a clan. Rather, it’s for each singular player.
Examples
Reason to add/change
Many players got affected by the removal of the withdraw feature. While I totally agree it would be too easy to get galleons this way, it brings downs that are WAY too negative. No one wants to walk around with, like, 200k galleons, or whatever amount that is important. Galleon loss requirement was also kept at 1k, which was reasonable when you could store them, yet we can’t now.
This would solve the issue of just losing galleons you stacked up, as well as come out better than before, since only clan leaders could withdraw funds.