Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The description discloses financial settlement ('may settle USDC'), the need for spending approval, and the resulting task_token with seven-day access. This goes beyond annotations by adding risk and post-success behavior, though it does not mention idempotent retry semantics already captured by annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.