pipa-follow-up-reminders

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

• Direct money access detected (high risk: 1.00). The skill explicitly implements a "top-up" / purchase flow: it directs the agent to call a payment-related API (POST /v1/topups/checkout-sessions), create checkout sessions for buying credits, and share returned checkout/billing URLs. This is a specific payment/checkout integration (user-facing purchase flow), so it grants direct financial execution capability (creating payment sessions and initiating purchases).