Before Hedera accounts can accept a token transfer, a token associate transaction needs to be submitted in order to associate the token to a Hedera account (TokenAssociateTransaction). If you do not associate the token to a Hedera account, a token transfer transaction will not be successful. You will receive a “TOKEN_NOT_ASSOCIATED_TO_ACCOUNT” error from the networkYou have to issue this transaction for every unique token that you would like to transfer to a Hedera account.