payroll-compensation

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

• Direct money access detected (high risk: 1.00). The skill is explicitly a payroll/compensation processor whose primary purpose is to manage and execute employee and contractor payments. It defines payment-related data (encrypted account_number, routing_number, payment_method: ACH | wire | check), describes payroll runs, total cash outflow, contractor payments, and directs submission to "the payment processor" (with approval workflow). Although it does not name a specific third-party gateway, the skill is specifically designed to move money (initiate payroll/contractor disbursements and manage payment methods), which meets the criteria for Direct Financial Execution.