Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the tool read-only, idempotent, and non-destructive. The description adds genuinely new behavioral context: it settles $0.010 USDC via x402 on Base, charges nothing on failure, exposes public receipts at /api/ledger, and mentions a deterministic momentum label. This goes well beyond the structured annotations and contains no contradiction.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.