Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry the behavioral burden, and it does disclose one meaningful non-schema trait: the tool reads from a configured wallet and requires the PRIVATE_KEY env var, which implies credential-dependent behavior. It says nothing about read-only semantics, which chain/network is queried, or failure behavior when the key is absent.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.