Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema already explains 'split', 'value', and 'participant' at 67% coverage. Description adds meaning beyond schema: clarifies methods array can be empty to clear, explains the replace-semantics, and connects methods to the broader purpose (QR code/pay link). The 'value' parameter's format is fully documented in schema, so little added here, but the array-replacement semantics is meaningful added value.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.