Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Given 0% schema description coverage, the description compensates only for amount_minor (positive integer in cents) and open_ref (retry safety). The other six parameters (payer, payee, terms, fee_bps, currency, deadline) are left unexplained, leaving significant gaps.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.