payroll

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

• Direct money access detected (high risk: 1.00). The skill is explicitly a payroll process designed to run pay-runs and integrates with specific payroll platforms (Gusto, Rippling, Deel/EORs). It instructs agents to prepare and submit payroll and notes that the platform "schedules ACH" (i.e., disburses employee payments). This is a specific financial operation whose primary purpose is moving money (payroll disbursements), not a generic tool, so it grants direct financial execution authority.