> a tariff refund product wherein they pay companies who are struggling with paying tariffs 20-30% of a potential refund

For what it’s worth, I’ve personally been doing this. Not in meaningful dollar amounts. And largely to help regional businesses stay afloat. But I paid their tariffs and bought, in return, a limited power of attorney and claim to any refunds.

Presumably you're not a admin cabinet member or related to one or have inside info from those in the cabinet, which is the key differentiator.