Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
With no output schema and no parameter descriptions, the description must carry more weight. It explains the purpose, filters, and transfer origins, but it omits the shape of the response, how pagination works (e.g., page size limits), the meaning of 'account' (likely the account ID), and the exact format of the filters JSON (e.g., exact key names and how to pass multiple filters). While the tool is relatively simple, the lack of parameter documentation for three of four parameters and lack of return format make it incomplete for an agent to call correctly without guessing.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.