FRS Creation

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

• Direct money access detected (high risk: 1.00). The skill explicitly includes payment gateway integration details and examples (e.g., an e-commerce checkout flow that says "Process payment via Stripe" and an "INT-001: Stripe Payment Gateway Integration" section listing specific Stripe REST endpoints, authentication (API keys), webhook events, and refund endpoints). These are concrete, payment-specific APIs and flows (Stripe) rather than generic tooling, so it meets the Direct Financial Execution criteria.