plaid-fintech

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

• Direct money access detected (high risk: 1.00). The skill is explicitly about Plaid integration (link_token creation/exchange, exchanging public_token for access_token, /transactions/sync, handling ITEM_LOGIN_REQUIRED and webhooks). Plaid is a banking/fintech API for accessing users' financial account data and credentials (access tokens), so this skill is specifically designed for banking API operations rather than a generic tool. That matches the "Direct Financial Execution" category (banking APIs like Plaid), so it grants direct financial execution capability.