integrations

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

• Direct money access detected (high risk: 1.00). The skill explicitly describes ERP-to-bank payment integration: it details payment instruction flows (ISO 20022 pain.001 files), transmission to banks (SFTP or bank APIs), required authentication (mTLS/certificates), idempotency for payment instructions, and dual-approval before payment file transmission. Those are specific mechanisms for initiating and managing real financial transactions (moving money), not generic tooling—therefore it grants direct financial execution capability.