monobank

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

• Direct money access detected (high risk: 1.00). The skill is a specific, direct integration with Monobank's API (GET https://api.monobank.ua/personal/client-info with X-Token) and is explicitly designed to access a user's bank balances using a per-request API token. Although it appears read-only (balance/jars) and does not perform transfers, it is a direct banking API integration rather than a generic tool, so it meets the rule for Banking APIs and must be flagged.