customer-journey

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

• Direct money access detected (high risk: 1.00). The skill explicitly integrates with a payment gateway (PayPal): it includes a PayPal REST API v2 client (lib/paypal.ts), PayPal webhook handlers (BILLING.SUBSCRIPTION.ACTIVATED, PAYMENT.SALE.COMPLETED), an order capture route (paypal/capture/route.ts), and flows that create subscriptions/payments and update billing records. These are specific, purpose-built payment gateway operations (order capture, subscription creation, webhook-driven provisioning), which constitute direct financial execution capability.