fix(pump): default token program to legacy SPL Token instead of Token-2022

The `effective_pump_mint_token_program` helper was defaulting to
TOKEN_PROGRAM_2022 when `token_program` was Pubkey::default(), causing
Anchor error 0xbbf (account owned by wrong program) for all legacy
PumpFun coins whose ATAs are owned by the original Token Program.

Fall back to TOKEN_PROGRAM (legacy) when no explicit token program is
provided. Token-2022 must be set explicitly for create_v2 coins.

Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>

src/instruction/pumpfun.rs

@@ -34,7 +34,7 @@ use solana_sdk::{instruction::Instruction, pubkey::Pubkey, signer::Signer};
 fn effective_pump_mint_token_program(protocol_params: &PumpFunParams) -> Pubkey {
     let tp = protocol_params.token_program;
     if tp == Pubkey::default() {
-        TOKEN_PROGRAM_2022
+        crate::constants::TOKEN_PROGRAM // legacy SPL Token — safe default; Token-2022 must be explicit
     } else {
         tp
     }

src/trading/core/params/pumpfun.rs

@@ -33,7 +33,7 @@ pub struct PumpFunParams {
     /// `Some(PDA(["creator-vault", fee_sharing_config]))` when pump-fees `SharingConfig` is **Active**; set by `from_mint_by_rpc` / [`refresh_fee_sharing_creator_vault_from_rpc`](Self::refresh_fee_sharing_creator_vault_from_rpc).
     pub fee_sharing_creator_vault_if_active: Option<Pubkey>,
     /// SPL Token or Token-2022 program id owning the **mint** (from gRPC / parser / cache).
-    /// **`Pubkey::default()`**：ix 构建时使用 SDK 默认 **Token-2022**（与多数 Pump.fun 新发一致）；显式传入 Legacy 或 Token-2022 id 可覆盖该默认值。
+    /// **`Pubkey::default()`**：ix 构建时使用 SDK 默认 **Token Program (legacy)**；create_v2 代币需显式传入 `TOKEN_PROGRAM_2022`。
     pub token_program: Pubkey,
     /// Whether to close token account when selling, only effective during sell operations
     pub close_token_account_when_sell: Option<bool>,