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

• Direct money access detected (medium risk: 0.30). The skill triggers an API call to ElevenLabs Dubbing (SKILL.md:55-59) using the user's API key. This constitutes an indirect financial operation (invoking paid cloud service usage/metering against the user's plan credits). The ElevenLabs API handles authentication via the provided API key independently of the agent.