Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only cover safety/idempotency flags; the description adds substantive traits they do not: no funds move, orders cannot be cancelled, unfunded orders expire, and the default idempotencyKey yields the same order on retry. It also gates the funding action behind a separate verification call, which is real behavioral guidance.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.