You can catcat the contents of a jsonJSON file to curl via the --data-raw parameter.
curl 'https://api.com/route' -H 'Content-Type: application/json' --data-raw "$(cat ~/.json/payload-2022-03-03.json | grep -v '^\s*//')"
Note: comments in the jsonJSON file are filtered out via grep -v '^\s*//'
You can also pass the data to curl via stdinstandard input using grep or cat.
grep -v '^\s*//' ~/.json/payload-2022-03-03.json | curl 'https://api.com/route' -H 'Content-Type: application/json' -d @-
cat ~/.json/payload-2022-03-03.json | grep -v '^\s*//' | curl 'https://api.com/route' -H 'Content-Type: application/json' -d @-