fee-billing

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

• Direct money access detected (high risk: 1.00). The skill explicitly describes generating and submitting custodian debit instructions and direct-debit collection: e.g., "Direct Debit from Custodian Account," "the adviser sends fee debit instructions to the custodian (Schwab, Fidelity, Pershing, etc.)," "Custodian Debit Instruction Generator. Produces the custodian-specific file format for fee debits," and "the billing system sends debit instructions to the custodian and receives confirmation (or rejection) files back." These are specific, operational mechanisms to initiate money movement (debit client accounts), not generic descriptions of data retrieval or browser automation. Therefore it grants direct financial execution capability.