pull down to refresh

These are nice downstream options. We'll definitely ship without these but they make hypothetical sense at least.
Restriction on immediate withdrawal
This is very tricky. We'd basically need to create some non-fungible sats for this to work. I suspect this is more complicated than it's worth ... I've been considering something like this for a long time (giving each user some sats when they sign up) and haven't yet thought of a reasonable design.