bloom-credit

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

• Direct money access detected (high risk: 1.00). Bloom Credit is explicitly a financial integration for lenders/fintech and exposes financial-specific resources (Application, Income, Liability, Plaid Account, Credit Report, etc.). It specifically names "Plaid Account" (a banking API) and is designed to access credit/banking-related data and workflows via Membrane actions. Under the core rule, this is a purpose-built financial API (not a generic tool) and therefore meets the criteria for Direct Financial Execution risk.