I noticed a post regarding disguises and joining factions auto outing you due to only being able to use your actual name to join them.
On this topic, things like shops, living quarters are similar in that if someone purchases them while in a disguise and someone wishes sees them do so that person can simply check the sign and see who the current owner is with the real name.
A rest menu option that covers up to 5 disguises, each with their own description, look and name. When creating them the names could be checked to ensure they are unique and if they are it is registered to that character as an alias. Then going forward anytime any of these disguises are selected from the rest menu it could auto mate the appearance change from -loadoutfit, change the name and function as if they are that actual person for any property purchased, factions joined or bank transfers needing to be done.
The "name" is also a dead give away and I have found some folks will close up and be far less willing to talk openly to anyone using a disguise even if it is not broken because they know OOC it is not who they say they are. Perhaps this would not be needed with the above suggestion.