testing-patterns

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

• Direct money access detected (high risk: 1.00). The skill defines a Payments trait with a charge(cents, card) method, provides a concrete StripeClient adapter implementing Payments, and shows prod wiring (Service { pay: StripeClient, ... }) where Service.bill calls pay.charge. These are explicit, specific payment-related APIs (Stripe/payment execution), not generic tooling, so the skill grants direct financial execution capability.