effect-client-wrapper

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

• Direct money access detected (high risk: 1.00). The skill explicitly includes a concrete Stripe integration: it loads STRIPE_SECRET_KEY, instantiates the Stripe SDK, exposes a use(fn => client...) wrapper, and shows calling client.customers.create. Stripe is a payment gateway API, so this skill provides a specific tool/API for financial operations (direct interaction with a payments SDK). Although the pattern is generic, the included Stripe example (and mention of Stripe in the description) constitutes explicit financial execution capability.