{
  "transactionId": "td-txn-9f8a1c33-2b91-4c80-9d3b-7e8a1c14b001",
  "amount": -54.18,
  "debitCreditMemo": "DEBIT",
  "description": "WHOLE FOODS MKT #12450",
  "memo": "Groceries",
  "status": "POSTED",
  "transactionTimestamp": "2026-05-20T17:42:11Z",
  "postedTimestamp": "2026-05-21T03:00:00Z",
  "merchant": {
    "name": "Whole Foods Market",
    "categoryCode": "5411",
    "address": {
      "city": "Cambridge",
      "region": "MA",
      "country": "US"
    }
  },
  "category": "Groceries"
}