tap-to-pay-on-iphone

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

• Direct money access detected (high risk: 1.00). The skill is explicitly and specifically about accepting and processing payments on iPhone. It references payment-specific APIs and components (ProximityReader framework, PaymentCardReader, PaymentCardReadResult), integration of PSP SDKs, PSP responsibility for processing/certification, and merchant payment flows (entering amount, reading card, completing transaction). These are payment gateway/transaction-focused capabilities (designed to read payment instruments and hand encrypted payment data to PSPs for processing), not generic tooling — therefore it grants direct financial execution capability.