✨ Core highlights of Refund Protocol: 🛡️ Non custodial dispute resolution: Funds are held in smart contracts, and arbitrators cannot directly control the funds ⛓️ On chain dispute resolution: providing a transparent and verifiable refund mechanism for ERC-20 payments 🔄 Flexible fund management: supports lock up periods, arbitration mediation, and early withdrawals 🤝 Minimizing third-party trust: more decentralized than traditional payment systems