Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and idempotentHint=true. The description adds the status lifecycle, the specific returned fields (amount, EMC amount, destination address, emc_txid), and that it is used for polling. This adds meaningful context beyond annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.