It would be nice if there was some Monero like functionality where A can send B some cash. Right now, that would be: A swaps into TORN, on another day A redeems with B’s receiver address. However, A would have to leave its deposit in the Pool for a while, to increase anonymity - there would be no instant settlement. Also, A could send the note to B, but B would have no guarantee that A doesn’t spend the note - that would be no settlement.
The leanest approach would be a functionality of a note, which can be restricted to be only be redeemed by a specified address. A would generate this note with Bs address and after the deposit send the note to B. B could verify that the deposit is in TORN and nobody but B could spend the note. This would be a two-party anonymous transfer with instant settlement.
The next feature then would be B creating a new note, restricted to C’s address, but instead of depositing some ETH, B can redeem the note he got by A.
Because in that case B uses tornado cash without adding to its anonymity set, a protocol fee could be required from B (anonymous transfer fee).