Single tool 'execute_skill_action' has a reasonable name starting with verb, but critical gaps undermine quality. Description is 97 chars (within 10-1024 range but minimal). Input schema is present with 3 parameters, all with type and description. However, NO output schema is documented anywhere, the tool returns a complex credit decision object but LLMs have no visibility into its structure. The mcp_server.py file shows only a stub that prints a JSON status message; actual tool invocation logic is absent. Tool definition appears inferred from client.py rather than explicitly registered in the MCP server. No error handling, no validation guidance, no recovery paths. No tool annotations (readOnlyHint, destructiveHint, idempotentHint). The server does not implement proper MCP protocol, it just prints a status and exits.

• Add explicit output schema documenting all returned fields: credit_decision (enum: APPROVED_ZERO_INTEREST, DECLINED, etc.), granted_credit_line_cop (number), installment_amount_cop (number), installments_count (integer), interest_rate_apr_pct (number), origination_fees_cop (number), whatsapp_otp_signature_required (boolean), fraud_risk_score (number). Include type and description for each.
• Implement proper tool registration in mcp_server.py with full schema, not just a status stub. Register execute_skill_action with input schema, output schema, and description in the MCP protocol handler.
• Expand tool description to 150-250 chars explaining: 'Evaluates credit eligibility for zero-interest BNPL purchases. Scores fraud risk, determines approval/decline, and calculates installment amounts. Requires valid Colombian national ID and cart amount in COP. Returns credit decision and terms. This operation is recorded and affects user credit history.'
• Add parameter constraints: user_national_id format (e.g. 'Colombian national ID, 8-10 digits'), cart_amount_cop range (e.g. 'minimum 10000, maximum 10000000 COP'), installments_count range (e.g. '1-12 installments').
• Add error handling guidance: 'If user_national_id is invalid, return error with format hint. If cart_amount_cop exceeds credit line, return DECLINED with reason. If fraud_risk_score > 0.5, return DECLINED_FRAUD_RISK. All errors should include actionable next steps for the agent.'