zoho

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

• Direct money access detected (high risk: 1.00). The skill explicitly includes Zoho Books invoicing and payment APIs (examples: creating invoices via POST /books/v3/invoices, emailing invoices, and recording payments via POST /books/v3/customerpayments). It also shows Deluge automation that creates invoices and invokes Books endpoints. These are specific, finance-focused operations to create/issue invoices and record/payments (i.e., move/record money), not just generic API or browser actions. Therefore it grants direct financial execution capability.