brainstorm

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

• Direct money access detected (high risk: 1.00). The skill explicitly lists a "支付模块" with concrete payment gateways and libraries ("微信/支付宝（IJPay 等）") in the required/extendable technologies. That is a specific payment integration capability (payment gateways), not a generic tool, so it constitutes direct financial execution authority per the rules.