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

• Direct money access detected (high risk: 1.00). The skill explicitly includes payment and billing functionality: Phase 4 lists payment-integration, stripe-integration, and billing-automation, with actions to "Integrate payment gateways", "Set up WooCommerce with Stripe", and "create subscription products in WooCommerce". These are specific tools/functions intended to process payments and manage billing (i.e., move money), not merely generic automation. Therefore it grants direct financial execution capability.