developer-backend-engineer

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

• Direct money access detected (high risk: 1.00). The skill explicitly describes integrating payment gateways and creating backend proxy endpoints for payments. It names a specific payment provider (Midtrans) and an example POST /api/checkout endpoint that "proxies checkout transactions to the payment partner" and reads a secret key (process.env.MIDTRANS_SECRET). These are specific financial-execution capabilities (sending payment transactions), not generic tools.