client-onboarding

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

• Direct money access detected (high risk: 1.00). The skill explicitly describes integration with custodian account-opening APIs (named custodians: Schwab, Fidelity, Pershing), bank verification services (Plaid), and payment/funding methods (ACH, wire, ACAT) and states the system should "initiate ACH funding" and "generate the initial trade orders." These are specific, purpose-built financial operations (custodian APIs, banking/funding initiation, and market order initiation), not generic tooling. Therefore it grants direct financial execution capability.