Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/openWorld/no-destructive, but the description goes well beyond them: the weekend/holiday fallback (answers with the previous business day and says so), exactly what is returned (amount, per-unit rate, effective rate date), and the payment/auth model ($0.002/call via x402 on Base, x-credit-token header, 1 free call/day, no API key). This is unusually rich behavioral disclosure.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.