Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full behavioral disclosure burden. It discloses that the network fee is deducted from the amount, so the recipient gets amount minus fee – a critical detail. However, it does not mention whether the operation is reversible, what the response contains, or any idempotency behavior, leaving some gaps.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.