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

## Description

closes: #XXXX

---

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- [ ] Updated relevant documentation (`docs/`) or specification (`x/<module>/spec/`)
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- [ ] Added a relevant changelog entry to the `Unreleased` section in `CHANGELOG.md`
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Author: crodriguezvega

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.