3ds-test-flow-reference

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

• Direct money access detected (high risk: 1.00). The skill includes concrete, specific payment-gateway API usage: code samples call stripe.paymentIntents.create(...) to create/confirm PaymentIntents and discusses per-gateway test cards and 3DS flows (Stripe, Adyen, Braintree). This is an explicit payment gateway integration (Stripe SDK) whose primary function is creating/confirming payments — i.e., direct financial execution capability.