Ou of band, sort of like taproot and musig schnorr that always look like singlesig on-chain?

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nono sorry wasnt clear

you have use the cli wallet to export the partially signed tx and import it into the other wallet signers

its a huge UI hassle and nobody does it

if interested:

https://monerodocs.org/multisignature/

It seems possible to create a program similar to Bisq that could do trades using multisig escrow with Monero and simplify the UX of what is done with Monero CLI only and multiple wallets.