<?xml version="1.0" encoding="UTF-8"?>
<!--
  ValidateFin sample file — SEPA Credit Transfer, pain.001.001.03.
  Expected validation result: INVALID — unstructured address after the cut-off.
  Deliberate defect: the addresses carry AdrLine only, with no TwnNm. From
  2026-11-15 (EPC153-22 v2.1) an address that is present must be structured
  (TwnNm + Ctry) or hybrid. The trigger is the execution date INSIDE the file:
  ReqdExctnDt is 2026-11-20, so this is a blocking error. Move that date before
  2026-11-15 and the very same file downgrades to a non-blocking warning.

  All parties and account numbers are fictitious.
  Reference page: https://validatefin.com/en/resources/samples/sepa-pain001-unstructured-address
  License: CC-BY-4.0
-->
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03">
  <CstmrCdtTrfInitn>
    <GrpHdr>
      <MsgId>MSG-ADDR-2026</MsgId>
      <CreDtTm>2026-07-09T09:00:00</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>1250.00</CtrlSum>
      <InitgPty><Nm>ACME SA</Nm></InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>PMT-ADDR-1</PmtInfId>
      <PmtMtd>TRF</PmtMtd>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>1250.00</CtrlSum>
      <PmtTpInf><SvcLvl><Cd>SEPA</Cd></SvcLvl></PmtTpInf>
      <ReqdExctnDt>2026-11-20</ReqdExctnDt>
      <Dbtr>
        <Nm>ACME SA</Nm>
        <PstlAdr>
          <Ctry>BE</Ctry>
          <AdrLine>CITY HALL GROTE MARKT 1</AdrLine>
          <AdrLine>1000 BRUSSELS</AdrLine>
        </PstlAdr>
      </Dbtr>
      <DbtrAcct><Id><IBAN>FR1420041010050500013M02606</IBAN></Id></DbtrAcct>
      <DbtrAgt><FinInstnId><BIC>PSSTFRPPPAR</BIC></FinInstnId></DbtrAgt>
      <ChrgBr>SLEV</ChrgBr>
      <CdtTrfTxInf>
        <PmtId><EndToEndId>E2E-ADDR-1</EndToEndId></PmtId>
        <Amt><InstdAmt Ccy="EUR">1250.00</InstdAmt></Amt>
        <CdtrAgt><FinInstnId><BIC>GEBABEBB</BIC></FinInstnId></CdtrAgt>
        <Cdtr>
          <Nm>Fournisseur SARL</Nm>
          <PstlAdr>
            <AdrLine>RUE DE LA LOI 16</AdrLine>
            <AdrLine>1040 BRUXELLES</AdrLine>
          </PstlAdr>
        </Cdtr>
        <CdtrAcct><Id><IBAN>BE68539007547034</IBAN></Id></CdtrAcct>
        <RmtInf><Ustrd>Facture 2026-001</Ustrd></RmtInf>
      </CdtTrfTxInf>
    </PmtInf>
  </CstmrCdtTrfInitn>
</Document>
