<?xml version="1.0" encoding="UTF-8"?>
<payment><paymentId>db84f889-cbe0-5f74-a0b2-e63edf6039d5</paymentId><fromAccount>ACC-1001</fromAccount><toAccount>ACC-2002</toAccount><date>2026-10-31T12:00:00+03:00</date><purpose>Sample transfer 026</purpose></payment>
