staff-engineering-skills-idempotency

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

• Direct money access detected (high risk: 1.00). The document explicitly shows and discusses calling payment APIs and mutating monetary state: examples include stripe.paymentIntents.create (with idempotencyKey), stripe.charges.create, a chargeCustomer(order.total) call, and queue consumer code that updates account balances (incrementing balance). These are concrete, specific payment/banking operations (payment gateway calls and balance updates), not generic tooling. Therefore the skill contains direct financial execution capability.