That is a financial decision to discuss with qualified advisers in light of actual liquidity and risk. The official program requests the gift after successful vetting; it does not make every applicant’s currency decision identical. Distinguish preparing access to funds from making the instructed payment.
Allow for banking steps without assuming an approval date
Find out what the bank needs and how long its own process may take, then coordinate with the actual program request. Keep the initial processing fee and later gift as separate milestones. Additional documentation, interviews and visa availability can affect the immigration timeline. Do not make nonrefundable relocation commitments solely because a conversion or transfer has been completed.
The published sequence is application and processing fee, vetting, gift and then immigrant processing under EB-1 or EB-2, with the applicant becoming a permanent resident only when that final step is complete and a visa number is available. Separate currency and private service costs from any official State Department visa and medical charges; a funded account does not itself grant residence, US work permission or a promised completion date.
A refund clause does not authorize work, confer residence or guarantee a decision by a chosen date.