fix(xrp): return 0 as default balance

[jcchevalier-ledger]

✅ Checklist

Fix Alpaca balance return 0 when Account has no transaction.
Update Cardano getAccountInfo network call to abstract actNotFound node error.
Add some unit test.

• npx changeset was attached.
• Covered by automatic tests.
• Impact of the changes:
  • ...

📝 Description

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❓ Context

• JIRA or GitHub link:

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🧐 Checklist for the PR Reviewers

• The code aligns with the requirements described in the linked JIRA or GitHub issue.
• The PR description clearly documents the changes made and explains any technical trade-offs or design decisions.
• There are no undocumented trade-offs, technical debt, or maintainability issues.
• The PR has been tested thoroughly, and any potential edge cases have been considered and handled.
• Any new dependencies have been justified and documented.
• Performance considerations have been taken into account. (changes have been profiled or benchmarked if necessary)

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[ComradeAERGO]

LGTM