Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint=false, destructiveHint=false, idempotentHint=false), so the bar is lower. The description adds genuinely non-structured context: the cryptographic fairness guarantee, the return shape, and notably the $0.001 USDC/Base x402 payment cost per successful call. That cost/payment detail is material behavioral information an agent needs.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.