<?xml version="1.0" encoding="UTF-8"?>
<payment><paymentId>a3c371fe-570f-5f3b-8826-a7e6575d81fa</paymentId><fromAccount /><toAccount>ACC-2002</toAccount><amount>12.345</amount><date>2026-10-31T12:00:00+03:00</date><purpose>Sample transfer 023</purpose></payment>
