Fintech Patterns

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

• Direct money access detected (high risk: 1.00). The skill is explicitly a fintech backend pattern for executing monetary transfers: it defines payment-gateway integrations, a POST /transfer execution scenario, lifecycle steps that "Execute SAGA (Debit + Credit)", and Phase 3 steps that append debit and credit ledger entries and verify zero-sum. These are concrete, operational descriptions for moving money (sending transactions and updating balances), not merely generic tooling or informational guidance.