Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and largely fails: it never says whether the call reads or writes, what it returns, or what auth/identity is required. It does disclose a real behavioral trait (0.01 USDC on Base, pay-per-use), which is the one piece of genuine value, but that is not enough for a no-annotation tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.