Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the readOnly/openWorld annotations, the description discloses pricing ($0.002 USDC), the payment rails (x402 on Base, Solana, Arc), that failed calls are not charged, and the result ordering (yearly rows, newest first). It omits error behavior when a PIN is not found and rate limits, which keeps it off a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.