Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 100%, so the schema fully explains transaction_id, agent_did, and amount_usdc. The description does not add parameter-level meaning beyond that, but because the schema already carries the burden, a baseline of 3 is appropriate.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.