Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full transparency burden. It explains that the tool builds a plan (non-custodial, involves approval and deposit) and does not broadcast. However, it does not disclose what the plan consists of (e.g., typed data, signatures), side effects, or required permissions. More detail on the output or state changes would improve transparency.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.