I stumbled across RaiBlocks which is pretty ingenius.
Coming from a traditional stock/option trading background, the idea of having a zero transaction fee is revolutionary. I was looking at their github repo and going through their code to make sense of it.
https://github.com/clemahieu/raiblocks
It also just got listed on next.exchange
https://nextexchange.featureupvote.com/suggestions/2373/raiblocks-xrb