Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, openWorld and non-destructive, so the safety profile is covered. The description adds genuinely new behavioral context the annotations cannot express: the operation costs $0.015 USDC and is settled via an HTTP 402 challenge on Base or Stellar, which tells the agent a payment handshake will occur. It stops short of describing failure behavior or rate limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.