I like alot of what I see there yata
. one thing that popped out though if I understand correctly is the monthly payments of mos/coin to keep guild? if its already 10-20m to create the guild I don't think players should have to also pay real money/coin each month just to keep things available after they purchased the guild. I think what we want is to build communities and rivalries and grind out improvements to gain benefits from working together, not have more rent to pay like real life.
I like the guild members professions interface idea, it can be confusing trying to remember, "was it this person or this person that forges items for free if I give them the materials" as an example. This would also help newer guild members learn about what people enjoy and offer for the guild so they know what skills are available to help with or what level to reach in order to be most effective
The ability to make own guild emblem (or pick from set list of them) yes!