Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false and openWorldHint=true, so safety is covered. The description adds genuine behavioral value by inventorying the returned data ('USDC settlement evidence', 'trust score'), though it says nothing about response shape, pagination, or freshness/latency of the indexer.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.