Hello everyone.
I wrote an article about creating multisig transaction (transactions that require that multiple different secret keys sign them in order to be valid) without using multisig accounts (accounts that explicitly say they require multiple signatures.
https://medium.com/@"stellarguard"#2245/stellar-multisig-transactions-without-a-multisig-account-d5cd2d8d1eb5
Let me know if you have any thoughts or additions.