mom-factura-payments

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

• Direct money access detected (high risk: 1.00). The skill is explicitly a payment gateway integration for Angolan payment methods. It defines authenticated API endpoints that create real payment transactions: POST /api/payment/mcx (immediate payment — "Creates order as PAID"), POST /api/payment/ekwanza (creates deferred payment and QR code), and POST /api/payment/reference (generates bank reference). It also documents webhook events for payment confirmation, status endpoints to mark payments as paid, and fee calculation. These are specific, purpose-built financial operations (sending/recording payments and generating invoices) — not a generic HTTP or browser tool. Therefore it grants direct financial execution capability.