<?xml version="1.0" encoding="UTF-8"?>
<payment><paymentId>7cd9df01-7454-529d-91cb-8606d12add18</paymentId><fromAccount>ACC-1001</fromAccount><toAccount>   </toAccount><amount>12.345</amount><date>2026-10-31T12:00:00+03:00</date><purpose>Sample transfer 033</purpose></payment>
