using-mobile-native-capabilities

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

• Direct money access detected (high risk: 1.00). The skill explicitly includes a "Payments" mobile capability that is designed to take payments (Apple Pay / Google Pay). The docs and examples show building a payment request, invoking the Payments service, and returning a transaction id — i.e., executing a financial transaction. This is a specific, payment-focused API (not a generic tool), so it grants direct financial execution authority.