Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must convey behavioral traits. It only states the action, but does not disclose side effects (e.g., whether the loan is closed, if collateral transfer is atomic), prerequisites, or error conditions. This is insufficient for a mutation tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.