Let's say Alice wants to exchange 10 bitUSD for 10 bitEuro with Bob. They create a new 2 of two multisig account between the two and send their funds to that account. Now they create a proposal that sends 10 bitUSD to Bob and 10 bitEuro to Alice. They both approve the proposal and the funds are exchanged. That's how I would do it (if not use the dex)
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I have things setup so atomic swaps can be done between all bitcoin protocol coins, so if I can make the steemit do the arbitrary 2of2 multisig, then it can pretend it is a bitcoin protocol and that would allow atomic swaps of steem (and sbd?) against all the bitcoin compatibles