plaid-fintech

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

• Direct money access detected (high risk: 1.00). The skill is explicitly about the Plaid banking API (Link token flows, exchanging public_token for access_token, Auth for ACH, balance checks, transactions sync, webhook handling). Plaid is a banking/payments integration and the presence of "Auth for ACH" and access token management indicates direct capability to enable bank account access and payment initiation. This is a specific financial API integration (not a generic tool), so it meets the criteria for Direct Financial Execution risk.