sepa 0.8.0

SEPA payment utilities for all five EPC payment schemes: SCT, SCT Inst, SDD Core, SDD B2B and One-Leg Out Instant (OCT Inst). Builds pain.001, pain.008, pain.007 and camt.055; parses pain.002 (incl. Verification of Payee), camt.029 and camt.052/053/054. IBAN, BIC, Creditor Identifier and ISO 11649 RF reference validation, structured addresses, EPC field rules and charset transliteration. Output is XSD-validated in CI against the ISO schemas and the German GBIC 5 subsets. No I/O, no async, no f64 in monetary arithmetic.