Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the transparency burden. It clearly states that the tool initiates a $42 payment and returns a complete list of payment rails (card, USDC, BTC, x402, Zelle, invoice). It does not disclose prerequisites or failure handling, but the core financial action is explicit.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.