Support only a transparent address as a refund target

[yito88]

Describe your changes

Closes #3620
Closes #3619

Checklist before merging

• If this PR has some consensus breaking changes, I added the corresponding breaking:: labels
  • This will require 2 reviewers to approve the changes

[yito88]

hmm, wasm compilation error happened again on my Mac

[codecov]

Codecov Report

Attention: Patch coverage is 34.28571% with 46 lines in your changes missing coverage. Please review.

Project coverage is 61.19%. Comparing base (80268fa) to head (8541049).
Report is 136 commits behind head on main.

Files	Patch %	Lines
crates/sdk/src/tx.rs	0.00%	30 Missing ⚠️
crates/ibc/src/context/nft_transfer.rs	41.66%	7 Missing ⚠️
crates/ibc/src/context/token_transfer.rs	66.66%	4 Missing ⚠️
crates/ibc/src/msg.rs	50.00%	3 Missing ⚠️
crates/ibc/src/lib.rs	80.00%	2 Missing ⚠️

Additional details and impacted files

@@           Coverage Diff           @@
##             main    #3646   +/-   ##
=======================================
  Coverage   61.18%   61.19%           
=======================================
  Files         312      312           
  Lines      101384   101351   -33     
=======================================
- Hits        62033    62021   -12     
+ Misses      39351    39330   -21     

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