effect-service-implementation

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

• Direct money access detected (high risk: 1.00). The skill prompt explicitly defines payment-related services and implementations: PaymentGateway.handoff, PaymentRefundGateway.refund, references to StripeClient/StripeGatewayLive/StripeRefundLive, and composition examples for cash vs Stripe gateways. These are specific payment gateway integrations (including refund and handoff operations) rather than generic tooling, and thus provide direct financial execution capabilities.