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

• Direct money access detected (high risk: 1.00). The workflow explicitly includes a WooCommerce phase that invokes payment-related skills: "payment-integration", "stripe-integration", and "billing-automation". It includes copy-paste prompts like "Use @payment-integration to set up WooCommerce with Stripe" and "Use @billing-automation to create subscription products in WooCommerce". These are specific, finance-focused capabilities (payment gateway/Stripe integration and billing/subscription automation), which constitute direct financial execution authority under the policy.