Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false, destructiveHint=false, idempotentHint=false and openWorldHint=true, so the safety profile is covered. The description adds genuinely new context beyond the annotations: the non-custodial guarantee ('never moves money') and the auth requirement ('Requires Authorization: Bearer <api_key>'), plus the side effect of unlocking the next milestone payment.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.