use-user-controlled-wallets

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

• Direct money access detected (high risk: 1.00). The skill is explicitly for non-custodial crypto wallets and describes APIs/SDKs to create wallets, sign, and send outbound token transfers. It references Circle's user-controlled-wallets SDK, backend Circle API key, the challenge-response flow to execute challenges (including transactions and signing), multi-chain support (EVM, Solana, Aptos), and a "Send Transaction" reference. These are specific tools/functions whose primary purpose is moving/signing crypto assets, so this grants direct financial execution capability.