vm-code-refactor

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

• Direct money access detected (high risk: 1.00). The skill is a code-refactoring assistant, but the documentation explicitly includes payment-processing code and direct references to a payment gateway (Stripe). It contains concrete examples and refactor plans that call Stripe APIs (e.g., new Stripe(...); stripe.charges.create({...})), plus methods like chargeCreditCard, refund, and a PaymentService/StripeGateway implementation. Those are specific payment-gateway integrations (Stripe) — not generic placeholders — and therefore indicate direct financial execution capability.