Upgrade Summary

• Migrates Comdex's entire codebase to SDK v47.
• IBC v7.2.0 upgrade IBC v7
• wasmd upgrade wasmd v41
• Adds the 09-localhost IBC client.
• Permissionless Cosmwasm.
• Block time reduced from 6sec to 3sec.

What's Changed

• added wasm bindings to fetch price per asset by @dheerajkd30 in #839
• resolve wrong denom in debt auction by @cgsingh33 in #848
• bump sdk 47, ibc v7, wasmd 40 by @cgsingh33 in #805
• bump sdk 47, permissionless cosmwasm by @cgsingh33 in #842
• icq fix, ibc-apps middleware replaced by @cgsingh33 in #858
• icq fix, ibc-apps replaced, rewards fix by @cgsingh33 in #859

Full Changelog: v12.0.0...v13.0.0