Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare this as read-only, idempotent, and non-destructive, so the description does not need to repeat that. It adds meaningful behavioral context by enumerating the possible status values and noting that deposit/settle transaction hashes appear 'once available', which helps an agent understand the state progression.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.