start-an-app

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

• Direct money access detected (high risk: 1.00). The skill explicitly includes payment-gateway integrations: it recommends Polar and Stripe (Step 1c), requires a payments reference (references/payments.md) in the scaffold, and verifies a test-mode checkout completes and that payment keys are swapped out of test mode to go live. It also instructs using a Better Auth payment plugin rather than a provider SDK. These are specific payment gateway references and flows (Stripe/Polar, test-mode checkout, key swap), which constitute direct financial execution capability.