{
"reference": "TRF-20260408-001",
"amount": 85000,
"currency": "NGN",
"transferred_at": "2026-04-08T10:00:00.000Z",
"sender_account": "****1234",
"sender_bank": "Zenith Bank",
"narration": "OpenSylo repayment settlement STL-20260407-001"
}