fx-settlement-check-free

SUSPICIOUS. The core free skill is mostly coherent with its stated local accounting purpose, but the optional upsell path expands into remote npm execution, transitive skill installation, and payment mediation. Because the install command is same-brand and documented by Alipay, this is not strong evidence of malware; however, the unpinned `npx` execution and extended trust chain make the overall skill medium risk rather than benign.