ray-explainer

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

• Direct money access detected (medium risk: 0.30). The skill operates a video/audio generation and explanation pipeline (ray-explainer) that invokes external APIs (MiniMax and Kling) for speech synthesis and digital human generation, which can incur API service costs and optional generation fees as documented in lines 80 and 124. However, it does not process direct financial transactions, charges, transfers, or user wallet payments. All mentioned costs relate exclusively to external service usage fees rather than direct financial operations. Therefore, this is an indirect financial/service cost scope, which counts as indirect operation type.