<?xml version="1.0" encoding="UTF-8"?>
<payment><paymentId>4981f543-3e0b-58cb-8d31-5b422a57822f</paymentId><fromAccount>ACC-1001</fromAccount><toAccount>ACC-2002</toAccount><amount>12.345</amount><date>2026-10-31T12:00:00+03:00</date></payment>
