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seeing as they're a little restricted on labeling Destiny as a full blown MMO, I would think elements that you would typically find for large guilds wouldn't really be implemented, at least not this early on. Should the need arise, I do like the prospect of having a bank and everyone contributing, but again, it's a little early. Even in the beta you couldn't trade items or glimmer so I'm thinking it's not likely.
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I'm not an admin, but as I understood it whenever a chest was opened everyone on the team got something. Dkp would not matter because nothing is awarded by a loot master, you either got something useful or you didn't. Of course I don't know for sure.