Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It does disclose two useful traits beyond structured data: execution is paid, and a completed run returns an RVO plus a signed verification receipt. However, it omits auth requirements, failure/unpaid behavior, cost, and any rate limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.