insurance-expert

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

• Direct money access detected (high risk: 1.00). The skill includes explicit insurance payment functions: approve_claim computes a payment_amount and calls _process_payment (returns a direct_deposit method and transaction_id). It also calculates refunds in cancel_policy. Although integrations are stubbed, the skill is explicitly designed to initiate/process monetary disbursements for claims/policies (i.e., sending transactions), which is direct financial execution capability.