<?xml version="1.0" encoding="UTF-8"?>
<payment><paymentId>cd7d5103-710f-5656-8550-a9e96f01c7f6</paymentId><fromAccount>ACC-1001</fromAccount><toAccount>ACC-2002</toAccount><amount>9.000</amount><date>2026-10-31T12:00:00+03:00</date><purpose>فاتورة خدمات – 東京</purpose><notes>café ✓</notes></payment>
