<?xml version="1.0" encoding="UTF-8"?>
<payment><paymentId>0f3597ed-8855-5dff-9750-e0d199b0a7ac</paymentId><fromAccount>ACC-1001</fromAccount><toAccount>ACC-2002</toAccount><amount>12.345</amount><date>2026-10-31T12:00:00+03:00</date><purpose>Sample transfer 077</purpose></payment>
