lob

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

• Direct money access detected (high risk: 1.00). The skill explicitly exposes Lob resources that perform financial operations: it lists "Bank Accounts", "Billing Groups", and "Checks" (Lob's API supports creating and sending checks). Through the Membrane actions described (discovering and running actions on a Lob connection), an agent could invoke specific API actions that create/send checks or manage bank-account/billing data. That is a concrete, non-generic financial execution capability (sending transactions), so it meets the criteria for Direct Financial Execution.