This server has critical definition gaps. Tool names follow verb_noun convention (good), but descriptions are minimal (10-50 chars, well below the 194-char baseline). Parameters lack type information in schemas, most show only 'string' or 'object' with no enum constraints, format specs, or validation rules. No output schemas are documented. Error handling is generic ('❌ Error occurred'). The server relies on OpenAI's tool_choice='auto' to select tools, but provides insufficient metadata for LLM reasoning. 6 of 9 tools are WRITE operations with no confirmation or dry-run pattern. No idempotency guarantees stated.

• Add enums to all constrained parameters. E.g., 'type' for create_card should list valid card types (DEBIT, CREDIT, etc.); 'recurrence_unit' for schedule_payment should be enum(DAILY, WEEKLY, MONTHLY, YEARLY).
• Document output schemas for all tools. Specify which fields are returned (e.g., send_payment returns {id, amount, status, created_at, counterparty_alias}). Include chaining IDs needed by downstream tools.
• Expand descriptions to 100-200 chars. E.g., 'Retrieve the customer's spending limits and account restrictions. Call this to check if a payment amount exceeds daily or monthly limits before sending.'
• Implement a confirmation pattern for WRITE operations. Add a 'confirm' parameter (boolean, default false) or a separate 'confirm_payment' tool that returns a confirmation_id, which send_payment then requires.
• Enhance error messages with recovery guidance. E.g., 'Invalid amount: "abc", must be a numeric string (e.g., "10.50"). Retry with a valid amount.' or 'Counterparty not found. Try search_contacts() first to find the correct email or IBAN.'