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Improve XprivAccount APIs #269

Job	Run time
default	28s
features (signers)	1m 18s
features (strict_encoding)	1m 52s
no-default	1m 22s
features (client-side-validation)	21s
features (serde)	2m 9s
platforms (ubuntu-22.04)	58s
toolchains (nightly)	32s
platforms (ubuntu-latest)	2m 13s
toolchains (beta)	29s
platforms (macos-13)	1m 13s
toolchains (stable)	2m 11s
platforms (macos-latest)	20s
toolchains (1.75.0)	55s
platforms (windows-2019)	1m 17s
platforms (windows-latest)	1m 21s
	18m 59s

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