Yep, sadly we don't have a way to provide this service using smart contracts on Hive.
Hive has multi-sig transactions? Make it so that funds can't move without a majority of validators approving a transaction. Incentivize running a validator node.
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I'm not that pro, but maybe this is something that HWIVE will be using :)
At least it's the idea that it should. At present it doesn't as far as I know.
Check this out:
https://steemit.com/utopian-io/@stoodkev/how-to-set-up-and-use-multisignature-accounts-on-steem-blockchain