Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries full behavioral burden. It discloses the payment model (0.04 USDC on Base, pay-per-use) which is genuinely useful, but says nothing about what 'manage' actually does, whether it mutates state, what permissions or wallet are needed, or how compliance/injection protection is applied.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.