backend-api-patterns

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

• Direct money access detected (high risk: 1.00). The skill includes an explicit transferFunds function that debits one account, credits another, and logs a transaction inside a DB transaction. Although the skill is a general backend-patterns document, this example is a specific function for moving monetary balances (app-level financial transfers), which constitutes direct financial execution capability.