plaid-transaction-sync

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

• Direct money access detected (high risk: 1.00). The skill explicitly integrates with Plaid (a banking API) and its /transactions/sync endpoint, requires a Plaid access token, and exposes MCP tools like plaid_syncTransactions and plaid_refreshTransactions to perform transaction syncs and refreshes. Because it is a specific banking-API integration (Plaid) rather than a generic tool, it meets the criterion for Direct Financial Execution authority risk.