plan-payroll

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

• Direct money access detected (high risk: 1.00). The skill is explicitly designed for financial operations (payroll forecasting and invoice collection) and names specific payment/accounting connectors: QuickBooks, PayPal, Stripe, and Square. It pulls AR/AP and queues PayPal-send drafts (and can push reminders after owner approval), which implies direct integration with payment gateway APIs. Even though there are approval gates and drafts, the workflow explicitly uses payment gateway connectors and can push PayPal actions — meeting the criterion for direct financial execution capability.