churn-prevention

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

• Direct money access detected (high risk: 1.00). The skill explicitly references payment gateways and provider-specific payment operations: it names Stripe, Chargebee, Paddle, Recurly, and Braintree as billing providers (SKILL.md:19), mentions card updater services and pre-dunning/payment recovery techniques (SKILL.md:270, SKILL.md:292-299), calls out Stripe Smart Retries (SKILL.md:290) and lists provider-specific capabilities (SKILL.md:392). It also lists the stripe CLI for "Subscription management, dunning config, payment retries" (SKILL.md:402). These are specific payment gateway integrations and payment-recovery controls (i.e., operations that can configure or trigger charging/retries), which fit the definition of Direct Financial Execution authority.