Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the behavioral burden. It discloses authentication requirements, per-call cost, payment rails, the kind of output (signed ERC quote envelope and funding steps), and a live-map eligibility constraint. Side effects and failure modes are not discussed, but the main transactional behavior is well covered.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.