banking-expert

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

• Direct money access detected (high risk: 1.00). The skill explicitly defines functions and classes that perform money-moving operations and integrate with payment networks. Examples: Account.deposit/withdraw/transfer (fund transfers), PaymentProcessor.process_ach_payment (create ACH batch and submit to ACH network), and PaymentProcessor.process_wire_transfer (create/send SWIFT MT103). These are specific, purpose-built financial execution operations ( ACH/SWIFT/payment processing ), not generic tooling, so it grants Direct Financial Execution authority.