Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly/idempotent/non-destructive, and the description adds genuinely new behavioral context: currency conventions per listing type, country being null for crypto because there is no jurisdiction of incorporation, and a careful explanation of next_report_date (confirmed-only, never an estimate, null ≠ no report, ~5 weeks lead time, company may move it). That is exactly the kind of caveat an agent needs to avoid misreporting.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.