Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint and openWorldHint, so the safety profile is covered. The description adds useful non-obvious context the annotations lack: result ordering (by balance), the USD market cap/price fields, and per-chain wallet-type availability (solana has kol/smart/whale; others only kol/smart).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.