setup-toyyibpay

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

• Direct money access detected (high risk: 1.00). The skill is explicitly a payment-gateway integration for toyyibPay: it defines server-side credentials (User Secret Key, Enterprise User Secret Key), API endpoints and flows to create bills (createBill), check/settle transactions (getBillTransactions), redirect customers to hosted payment URLs, and verify callbacks/hashes for settlement. These are specific financial operations to initiate and confirm money movement, not generic tooling. Therefore it grants direct financial execution capability.