Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
readOnlyHint=true already establishes this is a safe read, so the description's burden is lighter, and it does add that the scope is a single agent and a single asset (USDC). Beyond that it says nothing about whether history is complete or capped, whether time ranges apply, or whether results are paginated — for a tool literally named 'history' those gaps matter.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.