Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage for the single payment parameter is 100%, and the schema already explains omitting it on the first call, sending it on the second, and forwarding it as the PAYMENT-SIGNATURE header. The description adds the automatic fiatdock-mcp payment behavior, but that is operational context rather than new parameter semantics, so the baseline 3 is appropriate.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.