Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive/openWorld, and the description adds substantial context beyond them: 200-account listing cap, zero balances only counted, labels from a fixed mint table, 422 pre-payment vs 503 RPC failure (neither charged), 0.5-3s latency, price and free-tier limits, and an untrusted-data warning. This is unusually rich behavioral disclosure.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.