Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the annotations, the description discloses the pricing mechanism ($0.001 USDC on Base, x402) and, crucially, that billing is per successful call — cost/authorization behavior an agent cannot see in the schema. It also clarifies that the returned figure combines confirmed and pending counts, which matters semantically. Note that annotations mark readOnlyHint=false even though this is a pure query, a mild tension the description neither confirms nor resolves.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.