credit-metering

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

• Direct money access detected (high risk: 1.00). The skill is explicitly about implementing a credit/monetization system tied to payment providers and ledger operations. It prescribes server-side mappings to product/price IDs, interaction with detected payment providers (verifying signatures, deduplicating events), and implements explicit financial operations such as grant, reserve, capture, release, refund/reverse, and expire/rollover. Those are direct financial execution primitives (including captures and refunds) rather than generic tooling, so it grants direct financial execution authority.