expansion-retention

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

• Direct money access detected (high risk: 1.00). The skill explicitly references payment/billing systems and a named payment gateway (Stripe Billing) and includes billing-related operational flows (payment failure → dunning sequence, auto-upgrade option). Mentioning a specific payments product (Stripe Billing) meets the criteria for Direct Financial Execution authority per the rules (specific payment gateway/API), so it is flagged despite the skill being primarily advisory.