encode
Encodes raw bytes to strkey claimable balance ID (B...)
Accepts both 32-byte and 33-byte inputs:
32 bytes: Just the hash - automatically prepends V0 type discriminant (0x00)
33 bytes: Type (1 byte) + hash (32 bytes) - used as-is
This handles RPC responses that may return only the 32-byte hash without the type byte.