Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The readOnlyHint annotation already communicates the read-only nature. The description adds no behavioral context beyond that, such as what the KYC status payload contains, whether authentication is required, or how to interpret the response. It does not contradict the annotation, but provides no additional transparency.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.