create_account

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

With no annotations, the description carries the full burden of behavioral disclosure. It only says 'Create a new account' and does not disclose side effects, required permissions, whether the operation is reversible, or what happens on duplicate names. The schema hints at optional fields like opening_balance and credit_card_type, but the description does not explain their behavioral implications.

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 short sentence, which is concise, but it is under-specified rather than efficiently informative. It earns a 3 because it is not verbose, but it lacks the detail needed to be genuinely useful.

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 8 parameters, no annotations, and no output schema, the description is incomplete. It does not explain required vs. optional parameters, the meaning of account_role, or the expected response. An agent would need to inspect the schema and possibly external documentation to use this tool correctly.

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 description coverage is only 25%, and the description adds no parameter-level meaning beyond the schema. The schema provides enums for type, account_role, and credit_card_type, but the description does not explain how these interact (e.g., which account_role values are valid for which type, or when credit_card_type is required). With 8 parameters and low coverage, the description should compensate but does not.

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 states a clear verb and resource ('Create a new account'), which is minimally adequate. However, it does not distinguish this from sibling tools like create_transaction, create_budget, or create_rule, and the term 'account' is generic enough that an agent might not know what kind of account (financial account vs. user account) is being created.

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 is provided on when to use this tool versus alternatives. The description does not mention prerequisites, such as whether an account type is required, how account_role relates to type, or when to use update_account instead. An agent must infer usage entirely from the schema.

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