implement-arc-standards

MEDIUM W009: Direct money access capability detected (payment gateways, crypto, banking).

• Direct money access detected (high risk: 1.00). The skill is Algorand-specific and describes ABI/method encoding and client APIs for calling smart-contract methods (e.g., AlgorandClient, AlgoKit Utils, client.send.add, arc4.abi_call and inner transactions). These are concrete blockchain transaction/call capabilities (signing/sending contract calls) that can be used to move crypto assets. This is a specific crypto/blockchain execution tool rather than a generic utility, so it provides Direct Financial Execution capability.