Critical gaps across all dimensions. Tool definitions are not visible in provided source code, only file paths and names are listed. No input schemas, parameter descriptions, or output documentation can be verified. The server.ts shows tool imports but no explicit registration with McpServer.registerTool(). Without seeing actual tool implementations (balance.ts, pay-service.ts, etc.), schemas cannot be scored. This is a major red flag: if tools exist only as file references without visible definitions, they are inferred rather than directly verifiable, capping per-tool scores at 50 maximum. Additionally, the 'ledger' tool is listed as coming from web/components/dashboard/app-sidebar.tsx, a React UI component file, which is not a valid MCP tool location and suggests misclassification or incomplete source disclosure.

• Provide complete tool implementation files (balance.ts, pay-service.ts, get-limits.ts, set-limits.ts, verify-merchant.ts, ledger.ts) showing explicit mcpServer.registerTool() calls with full input schemas and descriptions.
• Rename 'pay-service' to follow verb_noun convention: 'send_payment', 'process_payment', or 'execute_payment'.
• Add comprehensive descriptions to all tools (50 - 200 characters each) explaining WHAT the tool does, WHEN to use it, and any prerequisites.
• Document all input parameters with type, description, constraints (enums, min/max, regex patterns), and whether they are required or optional.
• Document output schemas for all tools, including field names, types, and what data is returned. Include pagination parameters (limit, offset/cursor) and total count for list-returning tools.
• Implement error handling that guides LLM recovery: 'User not found. Try search_users() with a partial name.' instead of raw error codes.