Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the annotations, the description discloses that counts and last-activity cover only outgoing transactions, that inbound transfers are excluded, and that the full archive supports wallets of any age. It also adds pricing and auth expectations. These details materially shape what the agent should expect from results, and nothing contradicts the readOnly or idempotent hints.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.