Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry the full burden of behavioral disclosure. It does not state whether the operation is read-only, mutating, requires authentication, has side effects, or returns data. The phrase 'Flat no-KYC' suggests a fee structure but not behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.