Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full disclosure burden: it does reveal the closed set of output categories and the '5 free trial calls per signed wallet' access constraint, which the tooling layer does not encode. However it says nothing about determinism, side effects, or whether the call needs network/auth beyond the trial note, so transparency is partial.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.