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 about integration for financial operations and describes concrete messaging and API actions that initiate payments and market orders. It references ISO 20022 payment message types (e.g., pacs.008 FI-to-FI customer credit transfer), settlement instruction messages, and FIX application messages used to submit and cancel orders (NewOrderSingle, ExecutionReport, OrderCancelRequest, OrderCancelReplaceRequest). It also discusses transfer initiation, idempotency for transaction APIs, and end-to-end handling of settlement/transfer workflows. These are specific, domain-level mechanisms for moving money and executing market orders rather than generic tooling, so it grants direct financial execution capability.