Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, openWorldHint and destructiveHint=false, so the trailing 'Read-only' is largely redundant. However, the description adds genuine behavioral value by disclosing what the check reports (deposit arrival, bridging/payout progress, Coinbase invoice settlement), which matters because there is no output schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.