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 built for Plaid, a banking API. It describes Link token creation/exchange, exchanging public_token for access_token, "Auth for ACH", balance checks, transaction sync and webhook handling — all specific banking API capabilities (Plaid) that enable access to accounts and ACH-related operations. Under the Core Rule, Plaid/banking APIs are explicit financial execution tools, so this skill grants direct financial execution capability.