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 custodian-specific debit files (Schwab, Fidelity, Pershing, etc.), direct-debit collection workflows, submission windows, reversal procedures, and receiving confirmation/rejection files. Those elements are specific operational mechanisms to move money (initiate debits from client accounts) rather than generic tooling. Therefore it grants direct financial execution capability.