Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover read-only, idempotent, open-world safety. The description adds critical non-annotation behavior: x402 pricing ($0.75 per call), prepaid x-credit-token header for unlimited calls, no free tier, no API key required, and the specific verdict components returned (issuer-control score, seizure risk, red flags, hold/avoid recommendation).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.