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

• Direct money access detected (high risk: 1.00). The skill explicitly detects and handles payment gateways (mentions Stripe, Paddle, Lemon Squeezy) and includes a dedicated "Payments" checklist with specific, actionable items: switch Stripe to live mode, put live API keys in production env vars, update webhook endpoint and signing secret, and complete a test purchase in production. These are specific payment-gateway configuration and execution steps (directly tied to moving money), not generic tooling, so it meets the criteria for Direct Financial Execution authority.