chore: fix broken link to bank module spec (#2201)

## Description

closes: #XXXX

---

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- [x] Targeted PR against correct branch (see [CONTRIBUTING.md](https://github.com/cosmos/ibc-go/blob/master/CONTRIBUTING.md#pr-targeting))
- [ ] Linked to Github issue with discussion and accepted design OR link to spec that describes this work.
- [ ] Code follows the [module structure standards](https://github.com/cosmos/cosmos-sdk/blob/master/docs/building-modules/structure.md).
- [ ] Wrote unit and integration [tests](https://github.com/cosmos/ibc-go/blob/master/CONTRIBUTING.md#testing)
- [ ] Updated relevant documentation (`docs/`) or specification (`x/<module>/spec/`)
- [ ] Added relevant `godoc` [comments](https://blog.golang.org/godoc-documenting-go-code).
- [ ] Added a relevant changelog entry to the `Unreleased` section in `CHANGELOG.md`
- [x] Re-reviewed `Files changed` in the Github PR explorer
- [ ] Review `Codecov Report` in the comment section below once CI passes

docs/apps/transfer/params.md

@@ -15,10 +15,16 @@ The IBC transfer application module contains the following parameters:
 
 The transfers enabled parameter controls send cross-chain transfer capabilities for all fungible tokens.
 
-To prevent a single token from being transferred from the chain, set the `SendEnabled` parameter to `true` and then set the bank module's [`SendEnabled` parameter](https://github.com/cosmos/cosmos-sdk/blob/main/x/bank/spec/05_params.md#sendenabled) for the denomination to `false`.
+To prevent a single token from being transferred from the chain, set the `SendEnabled` parameter to `true` and then, depending on the Cosmos SDK version, do one of the following:
+
+- For Cosmos SDK v0.46.x or earlier, set the bank module's [`SendEnabled` parameter](https://github.com/cosmos/cosmos-sdk/blob/release/v0.46.x/x/bank/spec/05_params.md#sendenabled) for the denomination to `false`.
+- For Cosmos SDK versions above v0.46.x, set the bank module's `SendEnabled` entry for the denomination to `false` using `MsgSetSendEnabled` as a governance proposal.
 
 ## `ReceiveEnabled`
 
 The transfers enabled parameter controls receive cross-chain transfer capabilities for all fungible tokens.
 
-To prevent a single token from being transferred to the chain, set the `ReceiveEnabled` parameter to `true` and then set the bank module's [`SendEnabled` parameter](https://github.com/cosmos/cosmos-sdk/blob/main/x/bank/spec/05_params.md#sendenabled) for the denomination to `false`.
+To prevent a single token from being transferred to the chain, set the `ReceiveEnabled` parameter to `true` and then, depending on the Cosmos SDK version, do one of the following:
+
+- For Cosmos SDK v0.46.x or earlier, set the bank module's [`SendEnabled` parameter](https://github.com/cosmos/cosmos-sdk/blob/release/v0.46.x/x/bank/spec/05_params.md#sendenabled) for the denomination to `false`.
+- For Cosmos SDK versions above v0.46.x, set the bank module's `SendEnabled` entry for the denomination to `false` using `MsgSetSendEnabled` as a governance proposal.