fintech-api

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

• Direct money access detected (high risk: 1.00). The skill is explicitly a fintech backend scaffold designed to move and manage money: it defines payment processing (ACH debit/credit initiation, wire initiation, card payment intent creation/capture/void/refund, payment orchestration), Plaid bank linking and token exchange, and endpoints for initiating ledger transactions (/api/v1/ledger/entries, payment initiation endpoints). These are specific integrations and operations for executing financial transactions (payment gateways, banking integrations, and transaction submission), not generic tooling. Therefore it grants Direct Financial Execution Authority.