Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden of transparency. It discloses capacity, auto-chunking, and cost via x402, but omits important mutation details such as whether the send is irreversible, failure handling, or that it executes real transfers from the user's wallet. It adds some behavioral context but not enough to fully prepare an agent for side effects.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.