Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The description adds significant value beyond annotations: it explains the fixed 1 XGR grant, server-controlled wallet, eligibility (low-balance), per-address confirmation, IP limits, and security disclaimer about private keys. Annotations already indicate mutation (readOnlyHint=false) and non-idempotence, but description provides rich context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.