service-layer-style

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

• Direct money access detected (high risk: 1.00). The document explicitly references payment gateway usage and payout/checkout workflows. It shows initializing a Stripe client (getStripeClient(ctx)), an affiliate auto-payout service with processPayouts, and a PaymentCheckout namespace (attendee/vendor/sponsor) — all concrete, payment-related APIs/workflows that can move money. These are specific financial execution capabilities (payment gateway / payout / checkout) rather than generic tooling.