Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose the important side effect (credits the received amount), the tolerance window (-0.5% or $0.01), and the signature fallback for mismatched amounts. It omits idempotency (can the same order be verified twice?) and what happens on failure, which matters for a credit-granting mutation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.