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

• Direct money access detected (high risk: 1.00). The skill includes explicit payment gateway integrations and functions: it defines a PaymentGateway service with charge and refund methods, a PaymentGatewayLive implementation that calls stripe.charges.create and stripe.refunds.create, and related payment transaction types. These are specific financial execution operations (Stripe payment/refund), so it grants direct financial execution capability.