Align distribution withdraw recipient checks

[codchen]

Summary

• include bank-level recipient block checks when validating distribution withdraw recipients
• use the same recipient eligibility path when reading stored withdraw recipients
• add coverage for stored recipient state that should fall back to the delegator address

Tests

• go test ./sei-cosmos/x/distribution/keeper -run 'Test(SetWithdrawAddr|AfterValidatorRemovedFallsBackFor.*WithdrawAddress)'
• go test ./sei-cosmos/x/distribution/keeper
• go test ./sei-cosmos/x/distribution/...
• go test ./sei-cosmos/x/bank/keeper

[cursor]

PR Summary

Medium Risk
Changes reward/commission payout recipient resolution in the distribution module; scope is narrow but affects fund routing when stored withdraw addresses are bank-blocked.

Overview
Distribution now treats bank-level blocked recipients the same as the keeper’s static blocklist when validating and resolving withdraw addresses.

SetWithdrawAddr rejects withdraw targets that bankKeeper.BlockedAddr marks blocked (same unauthorized error as the existing blockedAddrs check), in addition to CanSendTo. canReceiveWithdrawAddr / GetDelegatorWithdrawAddr use the same rule, so a stored withdraw address that is bank-blocked (e.g. coinbase-style prefix) is ignored and payouts fall back to the delegator—covered by new tests for set-withdraw failure and validator-removal commission payout.

^{Reviewed by Cursor Bugbot for commit b0acf67. Bugbot is set up for automated code reviews on this repo. Configure here.}

[github-actions]

The latest Buf updates on your PR. Results from workflow Buf / buf (pull_request).

Build	Format	Lint	Breaking	Updated (UTC)
✅ passed	✅ passed	✅ passed	✅ passed	Jun 3, 2026, 2:26 AM

[codecov]

Codecov Report

✅ All modified and coverable lines are covered by tests.
✅ Project coverage is 58.28%. Comparing base (2151ba0) to head (b0acf67).

Additional details and impacted files

@@            Coverage Diff             @@
##             main    #3535      +/-   ##
==========================================
- Coverage   59.12%   58.28%   -0.85%     
==========================================
  Files        2213     2140      -73     
  Lines      182814   174435    -8379     
==========================================
- Hits       108096   101664    -6432     
+ Misses      64993    63725    -1268     
+ Partials     9725     9046     -679     

Flag	Coverage Δ
sei-chain-pr	64.47% <100.00%> (?)
sei-db	70.41% <ø> (ø)
sei-db-state-db	?

Flags with carried forward coverage won't be shown. Click here to find out more.

Files with missing lines	Coverage Δ
sei-cosmos/x/distribution/keeper/keeper.go	87.80% <100.00%> (+0.62%)	⬆️

... and 73 files with indirect coverage changes

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