form-1040-es

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

• Direct money access detected (high risk: 0.70). The skill computes federal estimated tax plans and generates vouchers or data for IRS Direct Pay (SKILL.md:22), with an optional step to submit via browser automation if authorized (SKILL.md:168-170). Because the skill guides and handles direct payment operations through IRS Direct Pay, it represents a direct financial operation. However, there is no documented independent access control enforced by the service or execution layer for the payment route (browser automation depends on user authorization/agent flow rather than an independent validation check on the payment route itself within the skill's scope). Therefore, it falls under direct operations without qualifying independent access control.