select
    '0000' bank_code
    ,'0'   confirm_code
    ,'success' confirm_message
    ,sysdate trtime_trdatetime
    ,'123456789' sender_acc
    ,'aaaaaa' sender_name
    ,'123456789' reciver_acc
    ,'aaaaaa' reciver_name
    ,150 amount_value
    ,'' dsignature
    from dual

<?xml version="1.0" encoding="utf-8"?>
<soap:Envelope>
  <soap:Body>
    <sendfund xmlns="http://blabla.com/">
      <bank>
        <code>string</code>
      </bank>
      <transaction>
        <confirm>
          <code>string</code>
          <message>string</message>
        </confirm>
        <trtime>
          <trdatetime> </trdatetime>
        </trtime>
        <sender>
          <acc>string</acc>
          <name>string</name>
        </sender>
        <reciver>
          <acc>string</acc>
          <name>string</name>
        </reciver>
        <amount>
          <value>1500</value>
        </amount>
        <dsignature> </dsignature>
     </transaction>
    </sendfund>
  </soap:Body>
</soap:Envelope>

select 
   xmlserialize(document xdata as blob encoding 'UTF-8' version '1.0') x_serialized
from (
select
   xmlroot(
      xmlelement(
         "soap:Envelope"
        ,XMLATTRIBUTES('http://blabla.com/' as "xmlns:soap")
        ,xmlelement(
           "soap:Body"
          ,xmlelement(
             "sendfunc"
            ,XMLATTRIBUTES('http://blabla.com/' as "xmlns")
            ,xmlforest(
                xmlelement("code", bank_code) as "bank"
               ,xmlforest(
                    xmlforest(
                       confirm_code as "code",
                       confirm_message as "message"
                    ) as "confirm"
                   ,xmlforest(
                       trtime_trdatetime as "trdatetime"
                    ) as "trtime"
                   ,xmlforest(
                       sender_acc as "acc",
                       sender_name as "name"
                    ) as "sender"
                   ,xmlforest(
                       reciver_acc as "acc",
                       reciver_name as "name"
                    ) as "reciver"
                   ,xmlforest(
                       amount_value as "value"
                    ) as "amount"
                   ,dsignature as "dsignature"
               ) as "transaction"
            )
           )
         )
      )
    , VERSION '1.0'
   ) xdata
from(
  select
    '0000' bank_code
    ,'0'   confirm_code
    ,'success' confirm_message
    ,sysdate trtime_trdatetime
    ,'123456789' sender_acc
    ,'aaaaaa' sender_name
    ,'123456789' reciver_acc
    ,'aaaaaa' reciver_name
    ,150 amount_value
    ,'' dsignature
    from dual
    )
);