NEAR is a token quote asset rather than native SOL.
Creator fee distribution must correctly handle token accounts.
For every shareholder:
derive/use the correct NEAR token account according to the actual token program.
Use official SDK handling where available.
Do not manually guess remaining-account order.
If ATA initialization is required:
use the current SDK-supported mechanism.
The caller may need SOL for account creation.
Explain this in UI.