Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full behavioral disclosure burden. It discloses the $0.02 USDC payment, that it never signs/holds keys/broadcasts, that private keys/seed phrases must never be sent, and that return values include execution status, gas estimate, and risk. It also honestly flags the limitation that calldata decoding is not a complete state diff.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.