Create user-bank account on send, set minimums

[dylanjeffers]

Ensures user-bank is created if needed before sending.
Sets minimum send amount

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[raymondjacobson]

can you do this instead /similar.

apps/packages/web/src/components/receive-tokens-modal/ReceiveTokensModal.tsx

Line 50 in 332c6e0

const { userBankAddress, loading: userBankLoading } = useUserbank(mint)

apps/packages/common/src/hooks/useUserbank.ts

Line 14 in 332c6e0

export const useUserbank = (

you can still combine it into one tx, but i don't think that's totally necessary either