Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false, and openWorldHint=true, so the safety profile is covered. The description adds genuinely new context by disclosing that resolution happens via the registry and that scheme and issuers default to the cell's standing configuration. It does not, however, explain behavior for accounts with no KYA level or what a check against a threshold does.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.