<?xml version="1.0" encoding="UTF-8"?>
<payment><paymentId>754d7ae0-3520-5d9a-a99b-2456baf34408</paymentId><fromAccount>ACC-1001</fromAccount><toAccount /><amount>12.345</amount><date>2026-10-31T12:00:00+03:00</date><purpose>Sample transfer 037</purpose></payment>
