Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The annotations already provide readOnlyHint=true, indicating a safe read operation. The description adds that the tool returns both balance and currency, giving some context about the output. However, it does not disclose any other behavioral traits such as authentication requirements, rate limits, or potential errors. Given the read-only nature, the description is minimally sufficient.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.