18-referral-program

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

• Direct money access detected (medium risk: 0.30). The skill provides guidance on designing and setting up referral and affiliate marketing programs (referral models, reward calculation, tracking, anti-fraud, launch plan). This constitutes indirect financial operations (planning/structuring referral rewards and affiliate commissions for downstream handling). No direct financial operations or payment execution routes are present.