Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden of disclosing behavior. It only states the cost ($0.001 USDC via x402) and the vague category 'x402 & Wallet tool'. It does not disclose whether the operation is read-only, what it returns, or any side effects, leaving the agent blind to critical behavioral traits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.