payram-bitcoin-payments

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

• Direct money access detected (high risk: 1.00). The skill is explicitly a Bitcoin payment integration and self-hosted payment gateway: it describes HD wallet derivation, mobile signing for on-chain sweep transactions, an API call to create payments, webhook events for payment.successful, and a separate "payram-payouts" skill for sending crypto payouts. These are specific crypto/blockchain payment capabilities (address generation, signing/sweeping funds, and APIs to create/send payments), not generic tooling — therefore it grants direct financial execution authority.