create_manual_account

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

With no annotations, the description carries full behavioral burden. It only states 'create a new manual account' but does not disclose any side effects, required permissions, constraints (e.g., duplicate names), or what happens upon creation.

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 sentence of 10 words, highly concise and front-loaded with the core purpose. It could include a bit more context without being verbose, but it avoids unnecessary details.

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 5 parameters and no output schema, the description is incomplete. It does not explain what a manual account is, the return value, or any post-creation behavior (e.g., whether the account is immediately usable).

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?

All 5 parameters have descriptions in the input schema (100% coverage), so the description adds no additional meaning. Baseline 3 is appropriate as the schema already documents each parameter adequately.

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?

Clearly states the verb 'create', the resource 'manual account', and explicitly differentiates it from bank-linked accounts. This distinguishes it from siblings like update_account, delete_account, and create_transaction.

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 explicit guidance on when to use this tool vs alternatives. While the purpose implies it's for manual accounts, there's no mention of when not to use it or which sibling to use for bank-linked accounts.

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