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

• Direct money access detected (medium risk: 0.30). The skill documents AI image generation operations via a CLI tool (qhkit image generate / estimate) through a service platform (青虎AI) that consumes credits/quotas. The direct generation command executes a paid service operation. However, the documentation explicitly instructs the agent that user confirmation is required before generating (generate 会创建任务、消耗积分，发起前必须把本次提交的关键参数一次性列给用户...等用户明确同意后才能执行提交), and cost/credit estimation is supported (estimate). This constitutes strong external/user approval gating the direct payment/token consumption operation, placing it in the medium tier.