gtm-spend-management

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

• Direct money access detected (high risk: 1.00). The skill explicitly centers on a payments control plane (Ramp) and describes issuing and managing payment instruments: corporate and virtual cards, bill pay for invoices, "Ramp virtual card issue OR bill pay" in the workflow, vendor → card mappings, rotating card numbers, and payment method fields (Ramp virtual card # / bill pay). These are specific financial execution capabilities (issuing cards, paying invoices) rather than generic tooling, so it grants Direct Financial Execution authority.