Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose one important trait: without payment_reference the tool returns payment requirements rather than executing work, and payment is in Base USDC. It does not cover authorization requirements, idempotency, what happens on an invalid payment reference, or whether target_scope/payer_address change behavior. Useful but incomplete 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.