[ccamrobertson]

OP_CHECKLOCKTIMEVERIFY in the multisig.

[dgrove]

Sure, so you add it as part of the P2MS script but that doesn't solve the issue of every re-key costing money

[godelski]

But why time lock it?

[ccamrobertson]

The time lock lets you optimistically circulate the note prior to the expiration date as even if previous holders know the user key they cannot use it to claim the Bitcoin alone.