perf: Optimize MPT freeze checks to reduce redundant state reads

[gregtatcam]

High Level Overview of Change

Optimize MPT freeze checks with existing token SLEs

Avoid redundant MPToken lookups in MPT freeze checks when callers already
have the holder MPToken SLE. Add SLE-based isFrozen(), isGlobalFrozen(),
and isIndividualFrozen() overloads, and reuse the loaded issuance SLE when
checking vault pseudo-account freeze state.

This reduces repeated state reads on mixed MPT/IOU payment paths while
preserving the existing MPTIssue fallback behavior.

API Impact

• Public API: New feature (new methods and/or new fields)
• Public API: Breaking change (in general, breaking changes should only impact the next api_version)
• libxrpl change (any change that may affect libxrpl or dependents of libxrpl)
• Peer protocol change (must be backward compatible or bump the peer protocol version)

[xrplf-ai-reviewer]

No issues.

Review by Claude Sonnet 4.6 · Prompt: V15

[codecov]

Codecov Report

✅ All modified and coverable lines are covered by tests.
✅ Project coverage is 82.4%. Comparing base (6c54342) to head (df0ed95).
⚠️ Report is 7 commits behind head on develop.

Additional details and impacted files

@@            Coverage Diff            @@
##           develop   #7411     +/-   ##
=========================================
- Coverage     82.4%   82.4%   -0.0%     
=========================================
  Files         1011    1011             
  Lines        76547   76942    +395     
  Branches      7326    8965   +1639     
=========================================
+ Hits         63065   63365    +300     
- Misses       13482   13568     +86     
- Partials         0       9      +9     

Files with missing lines	Coverage Δ
include/xrpl/ledger/View.h	100.0% <ø> (ø)
src/libxrpl/ledger/View.cpp	96.9% <100.0%> (-0.9%)	⬇️
src/libxrpl/ledger/helpers/AMMHelpers.cpp	95.3% <100.0%> (-0.3%)	⬇️
src/libxrpl/ledger/helpers/MPTokenHelpers.cpp	96.6% <100.0%> (+0.2%)	⬆️
src/libxrpl/ledger/helpers/TokenHelpers.cpp	95.3% <100.0%> (+<0.1%)	⬆️

... and 183 files with indirect coverage changes

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[xrplf-ai-reviewer]

No issues.

Review by Claude Sonnet 4.6 · Prompt: V15