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

## Description

closes: #XXXX

---

Before we can merge this PR, please make sure that all the following items have been
checked off. If any of the checklist items are not applicable, please leave them but
write a little note why.

- [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.