smarterpay

SUSPICIOUS: The skill is internally coherent as a Membrane-based SmarterPay integration, and its install path uses an official npm package rather than a raw downloader. The main risk is architectural: payment-related auth and data are routed through Membrane as an intermediary instead of directly to SmarterPay, and the CLI is unpinned and may store local secrets. That makes it higher trust and data-flow risk than a direct official API integration, but not clearly malicious.