Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden, and it does substantial work: it discloses that this wallet is the one live orders execute from, that fees are 0.25% per perps trade collected automatically, and that custody terms apply. It stops short of explicitly declaring the call is read-only with no side effects, and says nothing about authentication or error behavior, which keeps it below a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.