telegram-test-advanced

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

• Direct money access detected (high risk: 1.00). The skill includes explicit Telegram payment flow tooling: it builds preCheckoutUpdate fixtures, documents "Payments — Telegram asks to confirm before charging", and shows asserting that the bot calls the Telegram API method answerPreCheckoutQuery({ ok: true }) to allow the charge. That is a specific API interaction that results in financial execution (confirming/allowing a payment), not a generic browser or HTTP helper. Therefore it grants direct financial execution capability.