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

• Direct money access detected (high risk: 1.00). The skill explicitly shows payment-related integrations: an HTTP action handling a Stripe webhook (including reading the "stripe-signature" header and calling ctx.runMutation(api.payments.handleWebhook)) and references a related @stripe payment integration. It also includes a mutation (transferCredits) that moves credits between users. These are specific, finance-related operations (payment gateway webhook handling and sending/updating credits), so the skill grants direct financial execution capability.