initiate_micro_deposits

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

No annotations are provided, so the description carries full burden. It does not disclose any behavioral traits like side effects (e.g., sending money), idempotency, or required permissions. 'Initiate' implies a state change, but this is not stated explicitly.

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 with no superfluous words. However, it is too brief to be fully informative; it earns its place by stating the core purpose but omits necessary detail.

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?

Given the tool has 3 parameters (2 required), a nested object, and an output schema (not shown), the description is severely incomplete. It fails to explain the micro-deposit verification process, how to use the tool, or what the response looks like.

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 0%, meaning no parameter descriptions exist in the schema. The tool description does not add any meaning for the three parameters, including the crucial 'receiver' object and 'callback_url'. This leaves the agent without guidance on how to fill them.

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 specific verb ('initiate') and resource ('micro-deposit account verification'), but it lacks detail on what exactly is initiated and how it differs from sibling tools like 'verify_micro_deposits'. The purpose is clear at a high level but not precise.

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 vs alternatives such as 'verify_micro_deposits' or 'get_micro_deposit_details'. There is no mention of prerequisites, sequencing, or conditions for use.

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