unify-balance

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

• Direct money access detected (medium risk: 0.30). The skill operates cross-chain USDC unified balances, depositing and spending funds via Circle's App Kit and Unified Balance Kit SDKs. This constitutes a direct financial operation (transfers, deposits, and spending). However, the skill implements this through client-side SDK generation using user-managed credentials/wallets (such as Viem private keys, EIP-1193 browser wallets, or Solana/Circle wallets) and explicitly states that it does not execute transactions directly but generates code for the user to run ("Do NOT execute transactions or run scripts that move funds. ALWAYS generate code for the user to review and run themselves."). These local wallet/adapter keys and browser wallets provide independent authentication/authorization at the execution layer for any resulting transactions. Therefore, qualifying independent access control is present.