> ## Documentation Index
> Fetch the complete documentation index at: https://docs.openxswitch.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Refund Policy & Settlement Lifecycle

While most cross-chain swaps execute near-instantly, unfulfilled intents follow an automated on-chain refund process abstracted directly through OpenXSwitch infrastructure.

> **Important Note on Refund Processing Times:**<br />Refunds are not instant. Expired swap deposits must pass through periodic batch processing, oracle verification, and canonical bridge confirmations, a process that takes **several hours** to settle. Do not instruct end-users to expect immediate refunds.

#### When Refunds Occur

Refunds occur when no relayer fills a deposit before its `fillDeadline` expires. **This is rare on mainnet**, but a deposit becomes eligible for an automated refund when:

1. The `fillDeadline` passes without any relayer filling the cross-chain intent.
2. No partial fills were executed.

*Common root causes include extremely large swap transfers, low-liquidity/unusual token pairs, or temporary relayer market instability.*

#### On-Chain Refund Flow

<Steps>
  <Step title="**Swap Expiration**">
    The `fillDeadline` passes and the swap status updates to `expired`. User funds remain safely escrowed in the origin liquidity pool contract.
  </Step>

  <Step title="**Bundle Processing**">
    The system bundles the expired deposit into the next global settlement batch.
  </Step>

  <Step title="**Settlement Verification**">
    The batch undergoes verification and an optimistic oracle challenge period to confirm valid state transitions.
  </Step>

  <Step title="**Refund Execution**">
    Upon finality, the refund root is transmitted to the origin chain via canonical bridges. Escrowed funds are returned automatically to the ` address of the wallet`, and the API status updates to `refunded`.
  </Step>
</Steps>

### Technical Specification

| Property                     | Specification                                                              |
| :--------------------------- | :------------------------------------------------------------------------- |
| **Supported EVM Routes**     | Ethereum, Arbitrum, Optimism, Base, Polygon (powered by EVM DEX liquidity) |
| **Supported Stock Assets**   | Robinhood Stock Tokens via RFQ on Robinhood Chain                          |
| **Supported Non-EVM Routes** | Solana(*Supported*), Bitcoin Native BTC (*Coming Soon*)                    |
| **Execution Speed**          | Real-time to 2 minutes (depending on source chain finality)                |
| **Refund Processing**        | 2 to 6 hours (subject to bundle intervals and canonical bridge finality)   |