Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries full burden. It discloses the operation is static, lists return fields (risk_score, risk_band, flags), and states a $0.02 USDC cost on Base. However, it does not explicitly state the operation is read-only or mention permissions, rate limits, or failure modes.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.