plaid-fintech

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

• Direct money access detected (high risk: 1.00). The skill is explicitly for "Plaid Fintech" and defines modules for Link Token Creation and Exchange, Transactions Sync, and handling Plaid Items and access tokens. Those are direct integrations with a banking API (Plaid) and involve creating/exchanging link tokens and managing access tokens to users' financial accounts. Per the decision rules, Banking APIs such as Plaid are considered Direct Financial Execution authority even if only used for access/transaction sync; the presence of explicit Plaid operations and token management therefore qualifies as risk.