Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The annotations already establish readOnlyHint=true, idempotentHint=true and destructiveHint=false, so the safety profile is covered. The description adds genuinely new behavioral context beyond that: it is non-custodial, moves and holds no funds, and a settlement quote is not execution proof – a meaningful caveat about the limits of the output.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.