Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish read-only, idempotent, non-destructive behavior. The description adds meaningful context beyond those: offline operation, rejection messages name the failed check, structure-only scope, the test-BIC flag, and no wallet/API key requirement. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.