Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Without annotations, the description must disclose behavioral traits. It only mentions input/output format (list of names, returns WalletInfo) but omits details like idempotency, duplicate handling, limits, or side effects. 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.