Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden; it does establish that rates are 'current' (not historical) and read-only by omission of any mutation. It does not disclose rate source, refresh cadence, or caching, and the payment-acceptance sentence is business context rather than operational detail.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.