Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 100%, so all four parameters (tipo, valor, banco, agencia) are already documented in the schema, including the conditional requirements. The description only restates the banco/agência dependencies and adds the cartao return detail, so baseline 3 applies.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.