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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 instructs the agent to check and use the monid CLI and API to render video chains backed by paid API calls (pay-per-clip USD), which constitutes a direct financial operation (purchasing paid API usage / video generation services). However, it relies on the user's pre-existing CLI authentication and local command-line execution (monid --version, monid keys list, monid balance, and CLI commands) which provide independent service-level authentication and access control. Consequently, this falls under direct operations with qualifying independent access control.