xero

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

• Direct money access detected (high risk: 1.00). The skill is a specific Xero accounting integration (not a generic tool) and exposes explicit financial actions such as "Create Bank Transaction (create a new bank transaction (spend or receive money))" and payment-related entities. It also lists "Payment", "Bank Account", "Create Invoice", and other accounting write operations and instructs using Membrane to run actions (membrane action run ...) against a connected Xero account. Those capabilities are explicitly for creating/recording transactions and payments, i.e., executing financial transactions/records via the API. Therefore it grants direct financial execution authority.