Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive/openWorld, and the description adds real operational context on top: the full status lifecycle, the fields returned (amounts in/out, refund reason, origin and destination transactions), plus the payment model ($0.002 per call via x402 on Base), the x-credit-token prepaid header for unlimited calls, a 1-free-call-per-day allowance, and that no API key is required. Auth and rate-limit behavior is exactly the kind of disclosure annotations cannot carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.