Well I mean in the case where the freelancer messes up with his/her own service and the client tries to contact you guys for a refund, so what would happen now that the payment has already been converted to crypto. Do you blacklist the user from your system and prevent them from creating new invoices? Or do you do something else?
I will admit that I am not familiar with the process of getting a refund from a wire, but I know for example if you do a card transaction or a Paypal transaction and you're not happy with the product you can get a refund.
In general invoicing and payment is done after work has been provided, so on our side we just assume if the client decided to pay it means they are happy with whatever was done. Most of the invoices we see on the platform happen end of month, for the past month of work.
Maybe the issues you describe could happen when the invoicing is done for something ongoing and the freelancer does not fulfill something agreed beforehand. To be honest we never had the case. I can't speak for the compliance team, but intuitively I think if the fiat payment to us was reversed (for a good reason) we would most likely blacklist the freelancer.
Generally both the freelancer and the client just want to work together and are cooperative.