Now that the banner/flags are live the next step would be the clan shield. Clan members could contribute gold/inferno /aqua to a clan bank. The items could then be used to enchant the clan shield. The shield would provide static boost to all members but not guests. Which brings the second part of this.. When you apply to a clan your clan title is automatically "guest" then owner/admin can approve membership, maybe you have pay a fee into clan bank but that would be up to the clan.