<?xml version="1.0" encoding="UTF-8"?>
<payment><paymentId>0ebc6f81-262b-56c9-a182-fa1b204f13a7</paymentId><fromAccount>ACC-1001</fromAccount><toAccount>ACC-2002</toAccount><amount>0.000</amount><date>2026-10-31T12:00:00+03:00</date><purpose>Sample transfer 043</purpose></payment>
