debt-payoff

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

• Direct money access detected (high risk: 1.00). The skill is explicitly focused on financial operations (debt-payoff) and names specific financial integrations and execution-related features: it instructs discovery of bank account aggregation APIs (Plaid, Yodlee, MX), credit bureau APIs (Experian, TransUnion, Equifax), "payment processing integrations" and "loan servicer APIs", and it evaluates payment scheduling and automation (automatic payment scheduling, failed payment retry logic, payment confirmation tracking). Those are concrete, finance-specific integrations and payment-execution-related capabilities (banking/payment processors), which meet the criteria for Direct Financial Execution risk.