Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry the full burden of behavioral disclosure. It states that the tool returns a comprehensive list of currency pairs, which conveys the basic operation. However, it does not disclose the return format (e.g., symbols only vs. additional metadata), whether the list includes inactive pairs, or any rate-limit or authentication considerations. For a simple no-parameter list tool, this is adequate but lacking in depth.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.