Use checkpoint on create

[Duddino]

Abstract

Use latest checkpoint on wallet creation to speed up sync.

Testing

• Create a new wallet
• Assert that it's using the latest checkpoint
• Import a new wallet
• Assert that it's using the old checkpoint

Depends on #395 for latest checkpoints

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[JSKitty]

tACK eb1b78e

Tested both New and Old (imported) wallets, the correct checkpoints are used, transferred Shield between each of the tested wallets, all A-OK.