accounts-payable

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

• Direct money access detected (high risk: 1.00). The skill is explicitly and specifically designed to manage and execute outbound payments. It includes payment processing and scheduling ("run payment batches", "payment run schedule"), specific payment methods (ACH, wire transfers, direct deposit), handling of vendor banking details (account/routing/SWIFT/IBAN), and references to payment verification/integration methods such as Plaid. It also defines authorization matrices and controls for executing payments (approvers, dual approval, callbacks). These are concrete financial execution capabilities (sending/disbursing funds and integrating with banking/payment tools), not generic utilities.