Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the annotations (readOnlyHint=false, destructiveHint=true, idempotentHint=false), the description discloses the exact financial consequence ('settlement spends USDC irreversibly'), absence of refunds, the non-idempotency nuance (same args alone are not enough; need idempotency-key metadata and original payment proof), and the epistemic limit ('Does not establish absolute truth'). This aligns with and substantially extends the annotation signals.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.