expense-management

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

• Direct money access detected (high risk: 1.00). The skill is explicitly an expense-management system covering the full expense lifecycle including "reimbursement processing" and concrete payment mechanics (ACH direct deposit, payroll inclusion, international wire) and schedules ("processed in 15th cycle", "processed in next payment batch", "Direct Deposit to [Bank] ****[last 4]"). Its primary and explicit purpose is to authorize and execute reimbursements and corporate-card reconciliations — i.e., moving funds. This is a specific financial operation (not a generic automation or API caller), so it constitutes direct financial execution capability.