sepa 0.7.0

SEPA payment utilities: IBAN validation (ISO 13616 + 89-country registry), BIC validation (ISO 9362:2022), SEPA Creditor Identifier (EPC AT-02), pain.001 SCT + SCT Inst XML builder (pain.001.001.09 / .001.03 / .003.03), pain.008 SDD CORE + B2B XML builder (pain.008.001.08 / .001.02 / .003.02), pain.007 SDD reversal XML builder (pain.007.001.09), pain.002 status report parser incl. Verification of Payee, camt.055 payment cancellation (recall) builder + camt.029 resolution parser, camt.052/053/054 parsers, structured and hybrid postal addresses for the Nov 2026 EPC cut-over, ISO 11649 RF creditor references, EPC field validation and SEPA charset transliteration. Output is XSD-validated in CI against the ISO schemas and the German GBIC 5 subsets. Typed ISO 8601 dates, never defaulted from a clock. No I/O. No async. No f64 in monetary arithmetic.