Comment by vrmiguel

Since the thread mentions Rust: in Rust, you often replace Mutexes with channels.

In your case, you could have a channel where the Receiver is the only part of the code that transfers anything. It'd receive a message Transfer { from: Account, to: Account, amount: Amount } and do the required work. Any other threads would therefore only have copies of the Sender handle. Concurrent sends would be serialized through the queue's buffering.

I'm not suggesting this is an ideal way of doing it