Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry the behavioral disclosure burden. It does disclose that this is a merchant-only mutation and describes the redemption scenario. However, it does not mention idempotency, behavior if the voucher is already used, reversibility, or error conditions. For a state-changing operation, this is a moderate level of transparency but far from complete.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.