create_manual_account

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

No annotations are provided, so the description must fully disclose behavioral traits. It only states that a manual account is created, but does not mention side effects, required permissions, validation behavior, whether the initial balance is immediately reflected, or what the tool returns. 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 a single, front-loaded sentence with no redundant wording. It is concise and immediately understandable, earning a top score.

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 5 parameters, no annotations, and no output schema, but the description is extremely terse. It does not explain return behavior, prerequisites, or any operational context beyond the basic action, leaving significant gaps for an agent selecting and invoking the tool.

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% coverage, with all five parameters described clearly. The description adds no additional parameter-specific meaning beyond what the schema already provides, so the baseline of 3 is appropriate.

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 directly states the action ('Create') and the target resource ('a new manual (non-linked) account'). The qualifier 'manual (non-linked)' clearly distinguishes this tool from other account-related operations like update_account or delete_account, and 'manual' differentiates it from linked institution accounts.

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?

The phrase 'manual (non-linked) account' provides clear context that this tool is for creating accounts not connected to an external institution, implying a distinction from linked accounts managed via refresh_accounts. However, it does not explicitly state when not to use the tool or name alternative tools, so it does not reach a full 5.

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