create_account

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

With no annotations provided, the description must disclose behavioral traits on its own. It only says 'Create a new account' and does not mention side effects, permission requirements, idempotency, or what happens on creation. This is a significant gap for a mutation tool.

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 extremely concise, consisting of a single sentence with no fluff. It is front-loaded and easy to read. However, it is so brief that it borders on under-specification, lacking any details that would help an agent understand the tool's behavior beyond the name.

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?

The tool has four required parameters and no output schema, and no annotations are provided. The description does not explain the creation process, what the account represents, or the relationship to institutions. It is too incomplete for an agent to use confidently without inspecting the schema.

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?

The input schema has 100% description coverage for all four parameters (type, title, currency_code, institution_id), so the description does not need to add much. The baseline is 3, and the description adds no extra parameter context beyond what the schema already states.

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 'Create a new account' clearly states the action (create) and the resource (account). It is distinct from other account tools like list_accounts or update_account, though it does not elaborate on the account type or relation to institution, which is left to the schema.

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. There is no mention of prerequisites, the need for an institution ID, or when creating an account is appropriate. It simply states the action without context.

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