Hi 👋 Victor Dias
First of all thanks for your contribution!
Now to give my opinion on your idea. This isn't really possible at the moment within bunq's philosophy. It's not possible to get any kind of loan, advance, credit or overdraft at bunq. If you would get the money instantly after a refund request this would be an advance. They always wait before they actually receive the money before it's deposited/credited into your account so there's no credit risk for them. Also when you request a refund this is always just a 'request', this request can still be disputed by the merchant. In that case bunq would have to go after the money they already advanced to you, which is a lot of pain, risk and hassle for bunq again.
I don't see bunq implementing this in the future.