Merge pull request #444 from zcash/pczt-user-address #3275

Job	Run time
Book tests	15s
Bitrot check	2m 4s
Latest build on ubuntu-latest	51s
Build target wasm32-wasi	1m 30s
Latest build on windows-latest	1m 48s
Test on ubuntu-latest	9m 59s
Latest build on macOS-latest	45s
Test on windows-latest	11m 33s
Test on macOS-latest	7m 25s
Code coverage	9m 5s
Intra-doc links	2m 14s
Rustfmt	15s
	47m 44s

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