Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries full burden but only partially delivers. 'Read' implies a safe, non-mutating operation, and the phrase 'confirmed balance' and 'waiting to be pocketed' hints at pending amounts in the response. It omits permissions, rate limits, error behavior, and exact return format.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.