plaid

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

• Direct money access detected (high risk: 1.00). The skill is an explicit Plaid integration (a banking API) and references financial-specific objects and actions (accounts, transactions, investments, and "Payment
• Recipient"). It instructs using the Membrane CLI to create connections and to discover and run Membrane actions (membrane action run) in the context of a Plaid connection. Because Plaid is a banking/payments service and the skill explicitly surfaces payment-related capabilities and running actions against a connected bank account, this provides the agent with the ability to perform direct financial operations (e.g., payment initiation/recipient management, account/transaction access) rather than a generic tool. Therefore it grants Direct Financial Execution Authority.