cohesivity

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

• Direct money access detected (high risk: 1.00). The skill explicitly includes billing and payment endpoints and wallet-backed spending: it documents billing/topup APIs (checkout_url, POST /api/billing/topup), warns about non-idempotent topup paths, and notes managed-agents "spend from the wallet" and that provisioning paid resources or subscribing is a gated action. Those are specific financial-execution APIs (billing/topup and wallet spend paths), not merely generic tooling, so this skill grants direct financial execution capability.