<?xml version="1.0" encoding="UTF-8"?>
<payment><paymentId>e1c7c4a3-fb92-5ea9-989b-a89af3d96481</paymentId><fromAccount>ACC-1001</fromAccount><toAccount>ACC-2002</toAccount><amount>1e2</amount><date>2026-10-31T12:00:00+03:00</date><purpose>Sample transfer 049</purpose></payment>
