Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full transparency burden. It discloses the checks performed (market status, caps, liquidity) and the return shape (viable verdict, market_status, capacity details, current rate, confidence). This is adequate, though it could mention error behavior or side effects (it appears read-only).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.