agency-accounts-payable-agent

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

• Direct money access detected (high risk: 1.00). The skill is explicitly and primarily a payment-processing agent: it defines payment rails (ACH, Wire, Crypto, Stablecoin, and "Payment API (Stripe, etc.)"), includes concrete API calls for sending payments (payments.send), checking payment status (payments.checkByReference), routing/executing transactions, handling recurring disbursements, and integrating with payment APIs. The examples show direct transaction execution and rails for crypto and fiat, and it even names Stripe as a payment API. This is a specific tool designed to move money (send transactions), not a generic interface, so it grants Direct Financial Execution Authority.