Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true, idempotentHint=false, and readOnlyHint=false, so the risk profile is known. The description adds real value beyond that: it consumes supplied payment proof, may settle funds, executes only once, and returns workflow evidence. It stops short of saying what a retry does after a partial settlement or what failure leaves behind, which matters for a non-idempotent money-moving call.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.