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

• Direct money access detected (high risk: 1.00). Yes. The skill is an explicit Formance integration (a platform for ledgers, transactions, accounts and payment flows) and exposes running Membrane actions and proxying direct API requests (including POST/transaction endpoints) with authenticated credentials. It explicitly references Ledger/Transaction/Account concepts and shows how to run actions or send proxied requests with JSON input, which enables creating/updating transactions and otherwise moving money. This is a specific financial-execution tool, not a generic browser/HTTP helper.