ruby

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

• Direct money access detected (high risk: 1.00). The skill includes an explicit service object (RefundOrder) that calls a payment gateway to perform refunds (PaymentGateway#refund) and rescues PaymentGateway::Error. That is an explicit financial transaction API call (refunds) — i.e., direct financial execution. The notes also reference "anything that touches money," reinforcing that this example is intended to perform monetary operations.