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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 references banking/payment integrations: it lists "connects via Plaid" for auto-categorizing bank transactions and mentions Stripe (partnerships/Channels). It also emphasizes connecting bank accounts as a key metric. These are specific, named banking/payment APIs (Plaid/Stripe) called out in the prompt, which meet the criteria for Direct Financial Execution risk.