return-funds

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

• Direct money access detected (high risk: 1.00). The skill is explicitly designed to move money. It is a crypto wallet refund skill (mentions XNO) that calls specific send/refund APIs and wallet operations: e.g. payment_request_refund with execute:true, wallet_send, wallet_set_allowance, wallet_history, validate_address. The workflow instructs confirming a destination then executing a send and reporting the send hash — i.e., it performs transaction signing/sending. These are direct financial execution capabilities (crypto wallet transfers), not generic utilities.