Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already indicate readOnlyHint=true, destructiveHint=false, idempotentHint=true. The description adds batch shape ('{ results, errors }'), endpoint path, and array size limit (1-50), which are beyond the annotations.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is compact (3 sentences) and front-loaded with the primary purpose. The list of fields is dense but necessary for a detail tool lacking output schema.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

No output schema exists, so the description explains the returned fields. It also mentions the batch shape. It could be more structured, but it is sufficient for a read-only detail endpoint.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema has 0% description coverage, so the description carries the burden. It adds that 'loan_ids' is an array (1-50), providing a size constraint not in the schema.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states it returns full loan contract detail by ID, listing specific fields. It distinguishes from sibling tools by explicitly saying 'Use after openfinance_list_loans to deep-dive on a specific contract.'

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Does the description explain when to use this tool, when not to, or what alternatives exist?

Provides explicit guidance: 'Use after openfinance_list_loans to deep-dive on a specific contract.' This tells the agent when to use this tool and its predecessor.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.