account-transfers

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 designed to initiate and manage financial asset movements: ACATS/ACAT transfer requests, non-ACAT mechanisms (Fund/SERV, DTC free delivery, DWAC), internal journal entries to move assets within a firm, retirement rollovers and Roth conversions (direct trustee-to-trustee rollovers), estate distributions, and cash wire transfers via Fedwire/SWIFT. These are concrete mechanisms for sending or reallocating funds and securities (not generic tooling). Because the skill's primary purpose is to execute and coordinate transfers of cash and securities (including submitting transfer/rollover requests and processing journals/wires), it grants direct financial execution capability.