create_bank_account

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

With no annotations, the description must bear full behavioral disclosure. It only mentions creation but omits side effects, reversibility, idempotency, authorization needs, or rate limits. Additionally, the description specifies 'EUR IBAN' while the schema allows other currencies via the currency parameter, creating potential confusion.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is a single concise sentence that front-loads the primary action and resource. It is efficient, though a bit more context (like return value) could be added without significant bloat.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a creation tool with no output schema and no annotations, the description is insufficient. It fails to specify what is returned, prerequisites (e.g., provisioning status), or constraints like account creation limits. The three parameters are simple, but the description does not address the full context needed for safe invocation.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 100% so baseline is 3, but the description adds no meaningful parameter guidance. Stating 'EUR IBAN' contradicts the schema's currency parameter default and flexibility, potentially misleading agents about permissible values.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states the action ('Creates'), the resource ('EUR IBAN bank account (MonetaryAccountBank)'), and the context ('for a provisioned user'). It distinguishes from sibling tools like create_external_account or create_debit_card by specifying the account type and currency.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Does the description explain when to use this tool, when not to, or what alternatives exist?

No guidance on when to use this tool versus alternatives such as create_external_account or create_credit_card. It does not mention prerequisites (e.g., user must be provisioned) or when not to use it.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.