Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description fully discloses critical behaviors: the transactions are unsigned, signing occurs only in the user's wallet, and the tool never handles mnemonics or private keys. It also implies that the tool does not submit transactions, leaving that to the user. This is exemplary transparency for a transaction-building tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.