backend-api-patterns

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

• Direct money access detected (high risk: 1.00). The skill includes an explicit "transferFunds" transaction pattern that reads account rows for update, checks balances, debits the source, credits the destination, and logs a transaction. That function is a concrete, specific implementation to move monetary balances (i.e., execute transfers) within the system — not a generic helper — so it constitutes direct financial execution capability.