Hello, dear dudes and dudettes! Greetings from Finland 🙏

A few summers back I got a couple vintage bikes and now that I'm working on them I'm having issues identifying this ladies frame.
Our local folks have suggested that it might be a Ukrainian XB3 or in our speak a KVZ, Kharkov Velocipyed Zavod. I'm not a 100% sure as after extensive googling I haven't found one alike. Checking sites like veloretro.ru the lugs do look like their early frames but none are a match. What makes this even more interesting are the other parts as they are all western: Torpedo rear hub stamped 39 with eagle(ohdear), Phillips front hub, Rigida rims, Phillips bottom bracket, Union pedals and a Lemet saddle. There was some speculation that this is a some sort of a lend-lease situation where Finns got some frames from CCCP and then completed the bike here with western parts...🤷
The frame has multiple paint coats so no markings are sadly visible 😮‍💨

Any assistance would be greatly appreciated! Or just point me towards the right direction if I'm asking in the wrong place.

Cheers!
Ottis