Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructive, openWorld and non-idempotent, but the description adds materially new facts: the send is irreversible, it may spend wallet funds, and ambiguous outcomes must not be auto-retried. Those are exactly the operational risks an agent needs before invoking a spend-capable, non-idempotent tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.