Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly=true, idempotent=true, non-destructive, so the safety profile is covered. The description adds real value beyond that: it confirms no signing/paying occurs, guarantees the recipient receives exactly `amount` at their own address, and describes the two-step GET-with-signature flow. It does not discuss rate limits or failure modes.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.