Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations include readOnlyHint=true, so the safety profile is covered. The description adds important behavioral details beyond annotations: it reveals that the tool returns 'decoded' transactions with categories and metadata, and explains the pagination mechanism using next_cursor. This transparency is helpful and goes beyond the schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.