Update tx-wasm-sdk

[TxCorpi0x]

Description

This pull request updates dependencies and tooling across multiple smart contract modules to ensure compatibility with newer versions of CosmWasm and Rust, and improves build optimization. The most important changes are grouped below by theme.

Dependency upgrades across contracts:

• Upgraded cosmwasm-std and cosmwasm-schema to version 2.3.2, and thiserror to 2.0.18 in all affected contract modules for improved compatibility and stability. [1] [2] [3] [4]
• Updated schemars and serde versions to address potential serialization and schema issues, and updated prost to 0.13.5 where applicable. [1] [2] [3] [4]

Build and optimization improvements:

• Updated the Docker image used for contract optimization from cosmwasm/rust-optimizer:0.12.6 to 0.16.1 for improved build performance and compatibility.

Tooling and SDK changes:

• Changed tx-wasm-sdk dependency from a git commit to a tagged release (v1.3.0) in all relevant contracts, ensuring reproducible builds and easier maintenance. [1] [2] [3]
• Added and standardized rust-toolchain.toml files to specify Rust toolchain version 1.81.0 and target wasm32-unknown-unknown for all contract modules, ensuring consistent development environments.

These updates collectively ensure all contract modules use the latest stable dependencies and tooling, improving reliability and maintainability.

Reviewers checklist:

• Try to write more meaningful comments with clear actions to be taken.
• Nit-picking should be unblocking. Focus on core issues.

Authors checklist

• Provide a concise and meaningful description
• Review the code yourself first, before making the PR.
• Annotate your PR in places that require explanation.
• Think and try to split the PR to smaller PR if it is big.

---

This change is