Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden, and it does disclose the return shape (from, to, amount) and a pricing constraint (5 free trial calls per signed wallet). However it omits failure behavior for receipts with no Transfer/Approval logs, whether the transaction must be mined, and any rate limits after the free trial, which matter for an unannotated read tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.