effect-service-implementation

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

• Direct money access detected (high risk: 1.00). The skill explicitly defines payment-related services and examples that integrate with payment providers (e.g., PaymentGateway, PaymentRefundGateway, StripeClient/StripeGatewayLive, refund and handoff methods). These are specific financial operation capabilities (processing payments, refunds, Stripe integration), not generic tooling, so it grants direct financial execution authority.