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

• Direct money access detected (high risk: 1.00). The skill describes a commerce API that can create carts, launch hosted checkouts, and perform server-side purchases (cart.checkout.purchase) using tokenized cards. It explicitly handles payments, taxes, payouts, and service-fee configuration—i.e., it can initiate and execute financial transactions.