Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond annotations (readOnlyHint=false, idempotentHint=true), the description discloses critical behaviors: credit lands within 1-2 minutes, some codes are gated on KYC approval, the claim locks instantly, and list_codes is a gated tool accessible by name. This adds significant context not present in structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.