Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, openWorldHint and destructiveHint=false, so safety is covered. With no output schema, the description usefully discloses what the returned record contains (including 'USDG settlement evidence'), which the annotations cannot convey. It stops short of noting freshness, caching, or error behavior for an unknown agent_id.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.