<?xml version="1.0" encoding="UTF-8"?>
<payment><paymentId>b160a97a-6d17-51cf-a79a-a6be2994c325</paymentId><fromAccount>ACC-1001</fromAccount><toAccount>ACC-2002</toAccount><amount>12.345</amount><date>2026-10-31T12:00:00+03:00</date><purpose>['invoice']</purpose></payment>
