invoicing

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

• Direct money access detected (medium risk: 0.30). The skill's documented operations involve drafting invoices, managing payment terms, setting up receivables, and scheduling dunning reminders. These actions constitute indirect financial operations (creating bills and managing collection cadences) rather than direct payment execution. No direct fund transfers, charges, or purchases are initiated by the skill.