Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/no-destructive, so the safety profile is covered. The description adds meaningful behavior beyond that: the top-20 wallet limit, the per-call cost (0.008 USDC, x402, chains supported), and the important interpretive caveat that a shared funder can itself be an exchange (i.e., a false-positive risk).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.