<?xml version="1.0" encoding="UTF-8"?>
<payment><paymentId>0e26445c-8a49-5404-9cf5-e0abbdc75a87</paymentId><toAccount>ACC-2002</toAccount><amount>12.345</amount><date>2026-10-31T12:00:00+03:00</date><purpose>Sample transfer 022</purpose></payment>
