plaid-fintech

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

• Direct money access detected (high risk: 1.00). The skill is explicitly designed for banking/fintech operations using Plaid. It includes Plaid Auth flows to retrieve ACH routing and account numbers, identity verification (identityMatch), real-time balance checks (accountsBalanceGet) and a verifyAndInitiateTransfer() flow that validates identity/funds and then calls initiateACHTransfer to perform an ACH transfer. These are direct banking/payment actions (ACH transfers/account routing) — i.e., explicit money-movement capabilities via a banking API.