from Kin-labs: Improve support for multiple token accounts, and handling transfers to tokens or mints

[mocolicious]

see comments from kin-labs#507

• The makeTransfer method should accept a ownerTokenAccount?: string
  • It is used to decide which token account to send from if the owner has multiple.
  • When provided, there should be a check if this token account exists, and of the provided owner is in fact the owner.
  • This will allow users to empty any double token accounts, which can then be closed
• The makeTransfer method should accept a destinationTokenAccount?: string
  • It is used to decide which token account to send to if the destination has multiple.
  • When provided, there should be a check if this token account exists, and of the provided owner is in fact the destination.
• makeTransfer should fetch token accounts using the getAccountInfo method instead of using getAssociatedTokenAddress
• Improve logic that prevents sending to mints
• Improve logic that prevents sending to token accounts directly (eg, one should always pass in the owner).
• The closeAccount method should allow a tokenAccount?: string