Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the annotations, the description adds meaningful behavioral context: the Telegram-verified key requirement, the accountability property ('every transfer has an accountable human on both ends'), and the deduplication behavior ('returns the existing record with deduped=true'). This complements the idempotentHint and gives concrete detail.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.