createPayee

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

With no annotations provided, the description carries full responsibility for behavioral disclosure, but it only states the action. It omits critical details like idempotency, error conditions, permissions required, or the result of creating a duplicate payee. This 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.

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is very short (4 words), which is concise but at the expense of necessary detail. Given the nested object parameter and the special plan_id values, a bit more structure would improve usability without being verbose.

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 description is too minimal for the tool's complexity (2 required params, one with special values). It does not explain the plan_id parameter's special values, nor does it provide any return information (no output schema). It lacks completeness.

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 description adds no value beyond the input schema; it merely restates the tool's purpose. The schema already covers the parameters with descriptions for plan_id and payee.name. With 50% schema description coverage, the description should compensate but does not.

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 clearly states the verb 'Creates' and the resource 'payee', which is distinct from sibling tools like createAccount or createCategory. However, it lacks any additional context that would elevate it to a 5, such as what constitutes a payee or any scope limitations.

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 like updatePayee or other create tools. The description does not mention prerequisites, such as the need for a valid plan_id, or scenarios where creation would fail.

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