rename and split --memo-path of ibc-transfer

[yito88]

Describe your changes

closes #3517

Indicate on which release or other PRs this topic is based on

v0.40.0

Checklist before merging to draft

• I have added a changelog
• Git history is in acceptable state

[codecov]

Codecov Report

Attention: Patch coverage is 7.40741% with 50 lines in your changes missing coverage. Please review.

Project coverage is 53.46%. Comparing base (8479d38) to head (2345a41).
Report is 4 commits behind head on main.

Files	Patch %	Lines
crates/apps_lib/src/cli.rs	0.00%	21 Missing ⚠️
crates/sdk/src/tx.rs	0.00%	19 Missing ⚠️
crates/sdk/src/args.rs	0.00%	8 Missing ⚠️
crates/sdk/src/lib.rs	0.00%	2 Missing ⚠️

Additional details and impacted files

@@            Coverage Diff             @@
##             main    #3519      +/-   ##
==========================================
- Coverage   53.48%   53.46%   -0.02%     
==========================================
  Files         320      320              
  Lines      110000   110024      +24     
==========================================
- Hits        58832    58824       -8     
- Misses      51168    51200      +32     

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