refactor token transfer

[tzemanovic]

Describe your changes

Depends-On: #3718

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

[codecov[bot]]

Codecov Report

Attention: Patch coverage is 87.86280% with 92 lines in your changes missing coverage. Please review.

Project coverage is 73.01%. Comparing base (e29da65) to head (c3cbda3). Report is 19 commits behind head on main.

Files with missing lines	Patch %	Lines
crates/token/src/tx.rs	71.71%	56 Missing :warning:
crates/tx_prelude/src/token.rs	6.66%	14 Missing :warning:
crates/trans_token/src/tx.rs	97.96%	10 Missing :warning:
crates/tx_prelude/src/lib.rs	0.00%	5 Missing :warning:
wasm/tx_ibc/src/lib.rs	0.00%	5 Missing :warning:
crates/token/src/lib.rs	96.66%	1 Missing :warning:
wasm/tx_transfer/src/lib.rs	0.00%	1 Missing :warning:

Additional details and impacted files

@@            Coverage Diff             @@
##             main    #3736      +/-   ##
==========================================
+ Coverage   72.82%   73.01%   +0.18%     
==========================================
  Files         338      340       +2     
  Lines      104220   104750     +530     
==========================================
+ Hits        75897    76481     +584     
+ Misses      28323    28269      -54     

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