Instead of enforcing a mandatory 7-day trade hold for trade-ups, introduce an option that allows users to choose between two modes:

- Standard Transfer (7-day hold): Free and refundable.

- Instant Transfer: Immediate processing with no possibility of cancellation or refund.

This gives users flexibility similar to how banks offer instant vs. standard transfers. If a user opts for the instant transfer, they accept the trade is final, and any return or refund requests should be automatically declined.