Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden and does well by disclosing that this is a paid x402 call costing $0.001 USDC per invocation, specifying the chain identifier eip155:8453, and naming the official Circle contract method. It does not describe failure behavior or return formatting, but the key cost and data-source traits are transparent.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.