actual-budget-api-expert

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

• Direct money access detected (high risk: 1.00). The skill is explicitly a personal-finance integration (Actual Budget) with methods to create/update accounts, add/import transactions, create transfers, close accounts with balance transfers, run bank sync, and set budget amounts. Those are specific financial-operation APIs (transaction creation, transfers, bank synchronization) rather than generic tooling, so it grants direct financial execution capability.