Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description must fully disclose behavioral traits. It only indicates a read operation via '[L:READ]', but omits whether it is idempotent, requires permissions, rate limits, or what happens on invalid transfer IDs. The note to call agent_catalog hints at dependency but is insufficient.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.