Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries the full behavioral burden. It usefully discloses that codes expire after 15 minutes, but says nothing about what a successful confirmation changes, retry/rate-limit behavior, or failure modes—gaps that matter for an un-annotated mutation-style tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.