When building a TDF we currently [add a new payload entry for each segment](https://github.com/opentdf/java-sdk/blob/ddef62ad28bde23fe24b3908ddb86c7a01336560/sdk/src/main/java/io/opentdf/platform/sdk/TDF.java#L340-L366). This works as long as TDFs don't span multiple segments but will break with any payload larger than a single segment.