Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full transparency burden. It discloses meaningful behaviors: funding source (agent wallet), binding commitment ('commit the buyer side'), side effects (seller notified), and payment rail abstraction. However, it does not disclose failure modes, reversibility, or prerequisites (e.g., escrow state), leaving gaps for a financial mutation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.