banking_refresh_owner_verificationRe-reads the identity-verification outcome for one beneficial owner on a banking application and records it. Idempotent. Does not start a verification and does not carry any of that person's personal data.
| Name | Required | Description | Default |
|---|---|---|---|
| ownerId | Yes | UUID value wrapper. | |
| applicationId | Yes | UUID value wrapper. |
| Name | Required | Description | Default |
|---|---|---|---|
| owner | No |
Changes observed during successful MCP inspections.
Output schema / properties / owner / anyOfPrevious value: -[
- {
- "properties": {
- "address": {
- "anyOf": [
- {
- "properties": {
- "city": {
- "type": "string"
- },
- "countryCode": {
- "type": "string"
- },
- "line1": {
- "type": "string"
- },
- "line2": {
- "type": "string"
- },
- "postalCode": {
- "type": "string"
- },
- "state": {
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "addressCorrectable": {
- "type": "boolean"
- },
- "capTableStakeholderId": {
- "anyOf": [
- {
- "description": "UUID value wrapper.",
- "properties": {
- "value": {
- "format": "uuid",
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "confirmedNoUsTaxId": {
- "type": "boolean"
- },
- "dateOfBirth": {
- "type": "string"
- },
- "dateOfBirthOnFile": {
- "type": "boolean"
- },
- "email": {
- "type": "string"
- },
- "failureReason": {
- "anyOf": [
- {
- "description": "Free-form description (max 5000 chars).",
- "properties": {
- "value": {
- "maxLength": 5000,
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "formationShareholderId": {
- "anyOf": [
- {
- "description": "UUID value wrapper.",
- "properties": {
- "value": {
- "format": "uuid",
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "fullName": {
- "anyOf": [
- {
- "description": "Human-readable name (1-255 Unicode chars).",
- "properties": {
- "value": {
- "maxLength": 255,
- "minLength": 1,
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "id": {
- "anyOf": [
- {
- "description": "UUID value wrapper.",
- "properties": {
- "value": {
- "format": "uuid",
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "identityDocument": {
- "anyOf": [
- {
- "properties": {
- "countryCode": {
- "type": "string"
- },
- "documentId": {
- "anyOf": [
- {
- "description": "UUID value wrapper.",
- "properties": {
- "value": {
- "format": "uuid",
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "expirationDate": {
- "type": "string"
- },
- "kind": {
- "enum": [
- "IDENTITY_DOCUMENT_KIND_UNSPECIFIED",
- "IDENTITY_DOCUMENT_KIND_PASSPORT",
- "IDENTITY_DOCUMENT_KIND_DRIVERS_LICENSE"
- ],
- "type": "string"
- },
- "numberLast4": {
- "type": "string"
- },
- "state": {
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "identityDocumentNumberOnFile": {
- "type": "boolean"
- },
- "identityDocumentOnFile": {
- "type": "boolean"
- },
- "isControlPerson": {
- "type": "boolean"
- },
- "kind": {
- "enum": [
- "OWNER_KIND_UNSPECIFIED",
- "OWNER_KIND_INDIVIDUAL",
- "OWNER_KIND_ENTITY"
- ],
- "type": "string"
- },
- "ownershipPct": {
- "type": "string"
- },
- "phone": {
- "type": "string"
- },
- "residentialAddressOnFile": {
- "type": "boolean"
- },
- "ssnLast4": {
- "type": "string"
- },
- "ssnOnFile": {
- "type": "boolean"
- },
- "taxIdentifierKind": {
- "enum": [
- "TAX_IDENTIFIER_KIND_UNSPECIFIED",
- "TAX_IDENTIFIER_KIND_SSN",
- "TAX_IDENTIFIER_KIND_ITIN"
- ],
- "type": "string"
- },
- "title": {
- "type": "string"
- },
- "userId": {
- "anyOf": [
- {
- "description": "UUID value wrapper.",
- "properties": {
- "value": {
- "format": "uuid",
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "verificationSource": {
- "enum": [
- "OWNER_VERIFICATION_SOURCE_UNSPECIFIED",
- "OWNER_VERIFICATION_SOURCE_PROVIDER",
- "OWNER_VERIFICATION_SOURCE_REUSED_USER_KYC"
- ],
- "type": "string"
- },
- "verificationStatus": {
- "enum": [
- "OWNER_VERIFICATION_UNSPECIFIED",
- "OWNER_VERIFICATION_NOT_STARTED",
- "OWNER_VERIFICATION_LINK_SENT",
- "OWNER_VERIFICATION_IN_PROGRESS",
- "OWNER_VERIFICATION_PASSED",
- "OWNER_VERIFICATION_FAILED",
- "OWNER_VERIFICATION_WAIVED"
- ],
- "type": "string"
- },
- "verifiedAt": {
- "anyOf": [
- {
- "format": "date-time",
- "type": "string"
- },
- {
- "type": "null"
- }
- ]
- }
- },
- "required": [
- "fullName"
- ],
- "type": "object"
- },
- {
- "type": "null"
- }
-]New value: +[
+ {
+ "properties": {
+ "address": {
+ "anyOf": [
+ {
+ "properties": {
+ "city": {
+ "type": "string"
+ },
+ "countryCode": {
+ "type": "string"
+ },
+ "line1": {
+ "type": "string"
+ },
+ "line2": {
+ "type": "string"
+ },
+ "postalCode": {
+ "type": "string"
+ },
+ "state": {
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "addressCorrectable": {
+ "type": "boolean"
+ },
+ "capTableStakeholderId": {
+ "anyOf": [
+ {
+ "description": "UUID value wrapper.",
+ "properties": {
+ "value": {
+ "format": "uuid",
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "confirmedNoUsTaxId": {
+ "type": "boolean"
+ },
+ "dateOfBirth": {
+ "type": "string"
+ },
+ "dateOfBirthOnFile": {
+ "type": "boolean"
+ },
+ "email": {
+ "type": "string"
+ },
+ "failureReason": {
+ "anyOf": [
+ {
+ "description": "Free-form description (max 5000 chars).",
+ "properties": {
+ "value": {
+ "maxLength": 5000,
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "formationShareholderId": {
+ "anyOf": [
+ {
+ "description": "UUID value wrapper.",
+ "properties": {
+ "value": {
+ "format": "uuid",
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "fullName": {
+ "anyOf": [
+ {
+ "description": "Human-readable name (1-255 Unicode chars).",
+ "properties": {
+ "value": {
+ "maxLength": 255,
+ "minLength": 1,
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "id": {
+ "anyOf": [
+ {
+ "description": "UUID value wrapper.",
+ "properties": {
+ "value": {
+ "format": "uuid",
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "identityDocument": {
+ "anyOf": [
+ {
+ "properties": {
+ "countryCode": {
+ "type": "string"
+ },
+ "documentId": {
+ "anyOf": [
+ {
+ "description": "UUID value wrapper.",
+ "properties": {
+ "value": {
+ "format": "uuid",
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "expirationDate": {
+ "type": "string"
+ },
+ "kind": {
+ "enum": [
+ "IDENTITY_DOCUMENT_KIND_UNSPECIFIED",
+ "IDENTITY_DOCUMENT_KIND_PASSPORT",
+ "IDENTITY_DOCUMENT_KIND_DRIVERS_LICENSE"
+ ],
+ "type": "string"
+ },
+ "numberLast4": {
+ "type": "string"
+ },
+ "state": {
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "identityDocumentNumberOnFile": {
+ "type": "boolean"
+ },
+ "identityDocumentOnFile": {
+ "type": "boolean"
+ },
+ "identityDocumentSource": {
+ "enum": [
+ "IDENTITY_DOCUMENT_SOURCE_UNSPECIFIED",
+ "IDENTITY_DOCUMENT_SOURCE_APPLICANT",
+ "IDENTITY_DOCUMENT_SOURCE_IDENTITY_VERIFICATION",
+ "IDENTITY_DOCUMENT_SOURCE_COMPANY_RECORDS"
+ ],
+ "type": "string"
+ },
+ "isControlPerson": {
+ "type": "boolean"
+ },
+ "kind": {
+ "enum": [
+ "OWNER_KIND_UNSPECIFIED",
+ "OWNER_KIND_INDIVIDUAL",
+ "OWNER_KIND_ENTITY"
+ ],
+ "type": "string"
+ },
+ "ownershipPct": {
+ "type": "string"
+ },
+ "phone": {
+ "type": "string"
+ },
+ "residentialAddressOnFile": {
+ "type": "boolean"
+ },
+ "ssnLast4": {
+ "type": "string"
+ },
+ "ssnOnFile": {
+ "type": "boolean"
+ },
+ "taxIdentifierFiledAt": {
+ "anyOf": [
+ {
+ "format": "date-time",
+ "type": "string"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "taxIdentifierKind": {
+ "enum": [
+ "TAX_IDENTIFIER_KIND_UNSPECIFIED",
+ "TAX_IDENTIFIER_KIND_SSN",
+ "TAX_IDENTIFIER_KIND_ITIN"
+ ],
+ "type": "string"
+ },
+ "title": {
+ "type": "string"
+ },
+ "userId": {
+ "anyOf": [
+ {
+ "description": "UUID value wrapper.",
+ "properties": {
+ "value": {
+ "format": "uuid",
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "verificationSource": {
+ "enum": [
+ "OWNER_VERIFICATION_SOURCE_UNSPECIFIED",
+ "OWNER_VERIFICATION_SOURCE_PROVIDER",
+ "OWNER_VERIFICATION_SOURCE_REUSED_USER_KYC"
+ ],
+ "type": "string"
+ },
+ "verificationStatus": {
+ "enum": [
+ "OWNER_VERIFICATION_UNSPECIFIED",
+ "OWNER_VERIFICATION_NOT_STARTED",
+ "OWNER_VERIFICATION_LINK_SENT",
+ "OWNER_VERIFICATION_IN_PROGRESS",
+ "OWNER_VERIFICATION_PASSED",
+ "OWNER_VERIFICATION_FAILED",
+ "OWNER_VERIFICATION_WAIVED"
+ ],
+ "type": "string"
+ },
+ "verifiedAt": {
+ "anyOf": [
+ {
+ "format": "date-time",
+ "type": "string"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ }
+ },
+ "required": [
+ "fullName"
+ ],
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+]Output schema / properties / owner / anyOfPrevious value: -[
- {
- "properties": {
- "address": {
- "anyOf": [
- {
- "properties": {
- "city": {
- "type": "string"
- },
- "countryCode": {
- "type": "string"
- },
- "line1": {
- "type": "string"
- },
- "line2": {
- "type": "string"
- },
- "postalCode": {
- "type": "string"
- },
- "state": {
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "addressCorrectable": {
- "type": "boolean"
- },
- "capTableStakeholderId": {
- "anyOf": [
- {
- "description": "UUID value wrapper.",
- "properties": {
- "value": {
- "format": "uuid",
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "confirmedNoUsTaxId": {
- "type": "boolean"
- },
- "dateOfBirth": {
- "type": "string"
- },
- "dateOfBirthOnFile": {
- "type": "boolean"
- },
- "email": {
- "type": "string"
- },
- "failureReason": {
- "anyOf": [
- {
- "description": "Free-form description (max 5000 chars).",
- "properties": {
- "value": {
- "maxLength": 5000,
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "formationShareholderId": {
- "anyOf": [
- {
- "description": "UUID value wrapper.",
- "properties": {
- "value": {
- "format": "uuid",
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "fullName": {
- "anyOf": [
- {
- "description": "Human-readable name (1-255 Unicode chars).",
- "properties": {
- "value": {
- "maxLength": 255,
- "minLength": 1,
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "id": {
- "anyOf": [
- {
- "description": "UUID value wrapper.",
- "properties": {
- "value": {
- "format": "uuid",
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "identityDocument": {
- "anyOf": [
- {
- "properties": {
- "countryCode": {
- "type": "string"
- },
- "documentId": {
- "anyOf": [
- {
- "description": "UUID value wrapper.",
- "properties": {
- "value": {
- "format": "uuid",
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "expirationDate": {
- "type": "string"
- },
- "kind": {
- "enum": [
- "IDENTITY_DOCUMENT_KIND_UNSPECIFIED",
- "IDENTITY_DOCUMENT_KIND_PASSPORT",
- "IDENTITY_DOCUMENT_KIND_DRIVERS_LICENSE",
- "IDENTITY_DOCUMENT_KIND_OTHER"
- ],
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "identityDocumentOnFile": {
- "type": "boolean"
- },
- "isControlPerson": {
- "type": "boolean"
- },
- "kind": {
- "enum": [
- "OWNER_KIND_UNSPECIFIED",
- "OWNER_KIND_INDIVIDUAL",
- "OWNER_KIND_ENTITY"
- ],
- "type": "string"
- },
- "ownershipPct": {
- "type": "string"
- },
- "phone": {
- "type": "string"
- },
- "residentialAddressOnFile": {
- "type": "boolean"
- },
- "ssnLast4": {
- "type": "string"
- },
- "ssnOnFile": {
- "type": "boolean"
- },
- "title": {
- "type": "string"
- },
- "userId": {
- "anyOf": [
- {
- "description": "UUID value wrapper.",
- "properties": {
- "value": {
- "format": "uuid",
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "verificationSource": {
- "enum": [
- "OWNER_VERIFICATION_SOURCE_UNSPECIFIED",
- "OWNER_VERIFICATION_SOURCE_PROVIDER",
- "OWNER_VERIFICATION_SOURCE_REUSED_USER_KYC"
- ],
- "type": "string"
- },
- "verificationStatus": {
- "enum": [
- "OWNER_VERIFICATION_UNSPECIFIED",
- "OWNER_VERIFICATION_NOT_STARTED",
- "OWNER_VERIFICATION_LINK_SENT",
- "OWNER_VERIFICATION_IN_PROGRESS",
- "OWNER_VERIFICATION_PASSED",
- "OWNER_VERIFICATION_FAILED",
- "OWNER_VERIFICATION_WAIVED"
- ],
- "type": "string"
- },
- "verifiedAt": {
- "anyOf": [
- {
- "format": "date-time",
- "type": "string"
- },
- {
- "type": "null"
- }
- ]
- }
- },
- "required": [
- "fullName"
- ],
- "type": "object"
- },
- {
- "type": "null"
- }
-]New value: +[
+ {
+ "properties": {
+ "address": {
+ "anyOf": [
+ {
+ "properties": {
+ "city": {
+ "type": "string"
+ },
+ "countryCode": {
+ "type": "string"
+ },
+ "line1": {
+ "type": "string"
+ },
+ "line2": {
+ "type": "string"
+ },
+ "postalCode": {
+ "type": "string"
+ },
+ "state": {
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "addressCorrectable": {
+ "type": "boolean"
+ },
+ "capTableStakeholderId": {
+ "anyOf": [
+ {
+ "description": "UUID value wrapper.",
+ "properties": {
+ "value": {
+ "format": "uuid",
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "confirmedNoUsTaxId": {
+ "type": "boolean"
+ },
+ "dateOfBirth": {
+ "type": "string"
+ },
+ "dateOfBirthOnFile": {
+ "type": "boolean"
+ },
+ "email": {
+ "type": "string"
+ },
+ "failureReason": {
+ "anyOf": [
+ {
+ "description": "Free-form description (max 5000 chars).",
+ "properties": {
+ "value": {
+ "maxLength": 5000,
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "formationShareholderId": {
+ "anyOf": [
+ {
+ "description": "UUID value wrapper.",
+ "properties": {
+ "value": {
+ "format": "uuid",
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "fullName": {
+ "anyOf": [
+ {
+ "description": "Human-readable name (1-255 Unicode chars).",
+ "properties": {
+ "value": {
+ "maxLength": 255,
+ "minLength": 1,
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "id": {
+ "anyOf": [
+ {
+ "description": "UUID value wrapper.",
+ "properties": {
+ "value": {
+ "format": "uuid",
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "identityDocument": {
+ "anyOf": [
+ {
+ "properties": {
+ "countryCode": {
+ "type": "string"
+ },
+ "documentId": {
+ "anyOf": [
+ {
+ "description": "UUID value wrapper.",
+ "properties": {
+ "value": {
+ "format": "uuid",
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "expirationDate": {
+ "type": "string"
+ },
+ "kind": {
+ "enum": [
+ "IDENTITY_DOCUMENT_KIND_UNSPECIFIED",
+ "IDENTITY_DOCUMENT_KIND_PASSPORT",
+ "IDENTITY_DOCUMENT_KIND_DRIVERS_LICENSE"
+ ],
+ "type": "string"
+ },
+ "numberLast4": {
+ "type": "string"
+ },
+ "state": {
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "identityDocumentNumberOnFile": {
+ "type": "boolean"
+ },
+ "identityDocumentOnFile": {
+ "type": "boolean"
+ },
+ "isControlPerson": {
+ "type": "boolean"
+ },
+ "kind": {
+ "enum": [
+ "OWNER_KIND_UNSPECIFIED",
+ "OWNER_KIND_INDIVIDUAL",
+ "OWNER_KIND_ENTITY"
+ ],
+ "type": "string"
+ },
+ "ownershipPct": {
+ "type": "string"
+ },
+ "phone": {
+ "type": "string"
+ },
+ "residentialAddressOnFile": {
+ "type": "boolean"
+ },
+ "ssnLast4": {
+ "type": "string"
+ },
+ "ssnOnFile": {
+ "type": "boolean"
+ },
+ "taxIdentifierKind": {
+ "enum": [
+ "TAX_IDENTIFIER_KIND_UNSPECIFIED",
+ "TAX_IDENTIFIER_KIND_SSN",
+ "TAX_IDENTIFIER_KIND_ITIN"
+ ],
+ "type": "string"
+ },
+ "title": {
+ "type": "string"
+ },
+ "userId": {
+ "anyOf": [
+ {
+ "description": "UUID value wrapper.",
+ "properties": {
+ "value": {
+ "format": "uuid",
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "verificationSource": {
+ "enum": [
+ "OWNER_VERIFICATION_SOURCE_UNSPECIFIED",
+ "OWNER_VERIFICATION_SOURCE_PROVIDER",
+ "OWNER_VERIFICATION_SOURCE_REUSED_USER_KYC"
+ ],
+ "type": "string"
+ },
+ "verificationStatus": {
+ "enum": [
+ "OWNER_VERIFICATION_UNSPECIFIED",
+ "OWNER_VERIFICATION_NOT_STARTED",
+ "OWNER_VERIFICATION_LINK_SENT",
+ "OWNER_VERIFICATION_IN_PROGRESS",
+ "OWNER_VERIFICATION_PASSED",
+ "OWNER_VERIFICATION_FAILED",
+ "OWNER_VERIFICATION_WAIVED"
+ ],
+ "type": "string"
+ },
+ "verifiedAt": {
+ "anyOf": [
+ {
+ "format": "date-time",
+ "type": "string"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ }
+ },
+ "required": [
+ "fullName"
+ ],
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+]Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover idempotency and non-destructiveness (repeating 'Idempotent' adds nothing). The valuable additions are the behavioral boundaries: it does not initiate verification and it does not expose personal data, plus the implicit 'records it' persistence side effect. It omits what happens when no verification exists yet.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Three short sentences, no filler, with the core action front-loaded and the constraints following. Every clause (idempotent, not-starting, no personal data) carries information.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
An output schema exists, so return values need no explanation, and annotations cover safety profile. The description is nearly complete for a 2-param refresh tool; only the no-verification-yet / error path is unspecified.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 100%, but the schema descriptions are generic ('UUID value wrapper'). The description supplies the actual semantics of the two IDs — one beneficial owner, one banking application — which the schema alone does not make explicit.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
States a specific verb+resource ('Re-reads the identity-verification outcome for one beneficial owner... and records it'), scoped to a banking application. This clearly separates it from siblings like banking_refresh_application_provider_status (application-level) and banking_upsert_beneficial_owner (writes owner data).
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Explicitly states boundaries: 'Does not start a verification and does not carry any of that person's personal data', which tells the agent this is a pure re-read/persist of an existing outcome. It does not name a specific alternative for starting verification, so it falls short of a full when/when-not map.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
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