I need advice from people familiar with SEPA Instant and P2P trading risks.

I bought crypto on a P2P platform and acquired a cost by way of SEPA Prompt. Later it turned out the cost was made out of a third-party bank account (not the verified purchaser).

The platform help flagged it as a third-party cost situation and instructed a refund back to the original sender account earlier than the order might be cancelled.

Now I’m concerned concerning the danger of a bank recall / fraud claim after refund or even if crypto was launched.

How lifelike is the danger of a successful SEPA On the spot recall or dispute in such instances?

Context:

• SEPA Immediate transfer within EU
• third-party sender involved
• crypto NOT launched yet
• refund requested by way of platform dispute process