form-720

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

• Direct money access detected (medium risk: 0.30). The skill produces an audit-grade draft of IRS Form 720 (Quarterly Federal Excise Tax Return), which calculates and prepares a tax return for downstream filing and payment. Preparing a tax form is an indirect financial operation (creating bills/returns/reimbursements for downstream handling), which falls under the medium tier.