xero

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

• Direct money access detected (high risk: 1.00). The skill explicitly integrates the Xero Accounting API and documents endpoints that perform financial actions (not just read-only). It includes concrete, specific operations to create and delete payments, create bank transactions (SPEND/RECEIVE), create bank transfers, batch payments, and create payments against invoices/credit notes. These are purpose-built finance operations (sending/allocating funds and moving balances), not generic tooling. Therefore it grants direct financial execution capability.