integration-patterns

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

• Direct money access detected (high risk: 1.00). The skill is explicitly focused on financial transaction integrations and contains specific, actionable references to message types and APIs used to execute financial actions. It details FIX protocol order submission (e.g., NewOrderSingle MsgType=D, OrderCancelRequest/Replace), discusses order routing and execution reports, and covers ISO 20022 payment and settlement messages (e.g., pacs.008, pacs.009, sese.* for settlement instructions). It also addresses idempotency and transaction API patterns for order/transfer initiation and sending settlement/payment instructions. These are specific, finance-native protocols and message types whose primary purpose is executing payments and market orders, not generic tooling — therefore this skill grants Direct Financial Execution Authority.