prd-v06-architecture-design

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

• Direct money access detected (high risk: 1.00). The skill explicitly includes payment integration patterns and examples tied to payment processors: it names "Payment processor" in the system boundary, shows "Call Stripe API directly", includes a Payment Abstraction example with a charge(amount, token) interface and StripeAdapter, and a Webhook Handler example referencing Stripe. These are explicit, specific mechanisms for executing payments rather than generic integration tooling, so it grants Direct Financial Execution capability.