Testing

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

• Direct money access detected (high risk: 1.00). The skill includes an explicit PaymentGateway service API with methods like charge and refund and even shows a "live" implementation that calls stripe.charges.create and stripe.refunds.create. Those are concrete Payment Gateway integration examples (Stripe), which are specific financial execution capabilities (sending charges/refunds). Even though the overall skill is about testing, the presence of a direct Stripe integration and charge/refund functions meets the criteria for Direct Financial Execution.