create  a  delphi sepa tool  for pain 008.01.08.xml

To create a C++ Builder SEPA XML tool that generates files similar to the provided `pain.008.001.08.xml`, you can use the following approach:

1. **Use C++ Builder's XML support** (e.g., `TXMLDocument` from `Xml.XMLDoc`) to build and write XML structures.
2. **Define classes or structs** for SEPA elements like `CstmrDrctDbtInitn`, `GrpHdr`, `PmtInf`, etc.
3. **Populate these with data** from your application or user input.
4. **Generate the XML file** using the XML document's methods.

Below is a simplified example of how to create such a tool using C++ Builder (with VCL components and XML support):

---

### ✅ Example: C++ Builder SEPA XML Generator

```cpp
#include <vcl.h>
#pragma hdrstop

#include "Unit1.h"
#include <Xml.XMLDoc.hpp>
#include <Xml.XMLDoc.hpp>
#include <System.Classes.hpp>

// Function to create the pain.008.001.08.xml file
void GenerateSEPAFile()
{
    TXMLDocument* doc = new TXMLDocument(NULL);
    doc->Active = true;

    // Set XML Declaration
    doc->Declaration->Version = "1.0";
    doc->Declaration->Encoding = "UTF-8";

    // Root element
    TXmlNode* root = doc->AddChild("Document");
    root->Attributes->Value["xmlns"] = "urn:iso:std:iso:20022:tech:xsd:pain.008.001.08";
    root->Attributes->Value["xmlns:xsi"] = "http://www.w3.org/2001/XMLSchema-instance";
    root->Attributes->Value["xsi:schemaLocation"] =
        "urn:iso:std:iso:20022:tech:xsd:pain.008.001.08 pain.008.001.08.xsd";

    // CstmrDrctDbtInitn
    TXmlNode* cstmr = root->AddChild("CstmrDrctDbtInitn");

    // GrpHdr
    TXmlNode* grpHdr = cstmr->AddChild("GrpHdr");
    grpHdr->AddChild("MsgId")->Text = "Message-ID-4711";
    grpHdr->AddChild("CreDtTm")->Text = "2023-12-01T09:30:47.000Z";
    grpHdr->AddChild("NbOfTxs")->Text = "2";
    grpHdr->AddChild("CtrlSum")->Text = "6655.86";

    TXmlNode* initgPty = grpHdr->AddChild("InitgPty");
    initgPty->AddChild("Nm")->Text = "Initiator Name";

    // PmtInf
    TXmlNode* pmtInf = cstmr->AddChild("PmtInf");
    pmtInf->AddChild("PmtInfId")->Text = "Payment-ID";
    pmtInf->AddChild("PmtMtd")->Text = "DD";
    pmtInf->AddChild("NbOfTxs")->Text = "2";
    pmtInf->AddChild("CtrlSum")->Text = "6655.86";

    // PmtTpInf
    TXmlNode* pmtTpInf = pmtInf->AddChild("PmtTpInf");
    TXmlNode* svcLvl = pmtTpInf->AddChild("SvcLvl");
    svcLvl->AddChild("Cd")->Text = "SEPA";
    TXmlNode* lclInstrm = pmtTpInf->AddChild("LclInstrm");
    lclInstrm->AddChild("Cd")->Text = "CORE";
    pmtTpInf->AddChild("SeqTp")->Text = "FRST";

    pmtInf->AddChild("ReqdColltnDt")->Text = "2023-12-05";

    // Cdtr
    TXmlNode* cdtr = pmtInf->AddChild("Cdtr");
    cdtr->AddChild("Nm")->Text = "Creditor Name";

    // CdtrAcct
    TXmlNode* cdtrAcct = pmtInf->AddChild("CdtrAcct");
    TXmlNode* id = cdtrAcct->AddChild("Id");
    id->AddChild("IBAN")->Text = "DE87200500001234567890";

    // CdtrAgt
    TXmlNode* cdtrAgt = pmtInf->AddChild("CdtrAgt");
    TXmlNode* finInstnId = cdtrAgt->AddChild("FinInstnId");
    finInstnId->AddChild("BICFI")->Text = "BANKDEFFXXX";

    // ChrgBr
    pmtInf->AddChild("ChrgBr")->Text = "SLEV";

    // CdtrSchmeId
    TXmlNode* cdtrSchmeId = pmtInf->AddChild("CdtrSchmeId");
    TXmlNode* schmeId = cdtrSchmeId->AddChild("Id");
    TXmlNode* prvtId = schmeId->AddChild("PrvtId");
    TXmlNode* othr = prvtId->AddChild("Othr");
    othr->AddChild("Id")->Text = "DE00ZZZ00099999999";
    TXmlNode* schmeNm = othr->AddChild("SchmeNm");
    schmeNm->AddChild("Prtry")->Text = "SEPA";

    // DrctDbtTxInf (First)
    TXmlNode* drctDbtTxInf1 = pmtInf->AddChild("DrctDbtTxInf");

    TXmlNode* pmtId1 = drctDbtTxInf1->AddChild("PmtId");
    pmtId1->AddChild("EndToEndId")->Text = "OriginatorID1234";

    TXmlNode* instdAmt1 = drctDbtTxInf1->AddChild("InstdAmt");
    instdAmt1->Attributes->Value["Ccy"] = "EUR";
    instdAmt1->Text = "6543.14";

    TXmlNode* drctDbtTx1 = drctDbtTxInf1->AddChild("DrctDbtTx");
    TXmlNode* mndtRltdInf1 = drctDbtTx1->AddChild("MndtRltdInf");
    mndtRltdInf1->AddChild("MndtId")->Text = "Mandate-Id";
    mndtRltdInf1->AddChild("DtOfSgntr")->Text = "2023-12-01";
    mndtRltdInf1->AddChild("AmdmntInd")->Text = "true";

    TXmlNode* amdmtInfDtls1 = mndtRltdInf1->AddChild("AmdmntInfDtls");
    TXmlNode* orgnlCdtrSchmeId1 = amdmtInfDtls1->AddChild("OrgnlCdtrSchmeId");
    orgnlCdtrSchmeId1->AddChild("Nm")->Text = "Original Creditor Name";

    TXmlNode* schmeId2 = orgnlCdtrSchmeId1->AddChild("Id");
    TXmlNode* prvtId2 = schmeId2->AddChild("PrvtId");
    TXmlNode* othr2 = prvtId2->AddChild("Othr");
    othr2->AddChild("Id")->Text = "AA00ZZZOriginalCreditorID";
    TXmlNode* schmeNm2 = othr2->AddChild("SchmeNm");
    schmeNm2->AddChild("Prtry")->Text = "SEPA";

    // DbtrAgt
    TXmlNode* dbtrAgt1 = drctDbtTxInf1->AddChild("DbtrAgt");
    TXmlNode* finInstnId1 = dbtrAgt1->AddChild("FinInstnId");
    finInstnId1->AddChild("BICFI")->Text = "RAIFCH22005";

    // Dbtr
    TXmlNode* dbtr1 = drctDbtTxInf1->AddChild("Dbtr");
    dbtr1->AddChild("Nm")->Text = "Debtor Name";
    TXmlNode* pstlAdr1 = dbtr1->AddChild("PstlAdr");
    pstlAdr1->AddChild("StrtNm")->Text = "Musterlandstraße 48";
    pstlAdr1->AddChild("PstCd")->Text = "8005";
    pstlAdr1->AddChild("TwnNm")->Text = "Zuerich";
    pstlAdr1->AddChild("Ctry")->Text = "CH";

    // DbtrAcct
    TXmlNode* dbtrAcct1 = drctDbtTxInf1->AddChild("DbtrAcct");
    TXmlNode* id1 = dbtrAcct1->AddChild("Id");
    id1->AddChild("IBAN")->Text = "CH7280005000088877766";

    // UltmtDbtr
    TXmlNode* ultmtDbtr1 = drctDbtTxInf1->AddChild("UltmtDbtr");
    ultmtDbtr1->AddChild("Nm")->Text = "Ultimate Debtor Name";

    // RmtInf
    TXmlNode* rmtInf1 = drctDbtTxInf1->AddChild("RmtInf");
    rmtInf1->AddChild("Ustrd")->Text = "Unstructured Remittance Information";

    // Second DrctDbtTxInf
    TXmlNode* drctDbtTxInf2 = pmtInf->AddChild("DrctDbtTxInf");

    TXmlNode* pmtId2 = drctDbtTxInf2->AddChild("PmtId");
    pmtId2->AddChild("EndToEndId")->Text = "OriginatorID1235";

    TXmlNode* instdAmt2 = drctDbtTxInf2->AddChild("InstdAmt");
    instdAmt2->Attributes->Value["Ccy"] = "EUR";
    instdAmt2->Text = "112.72";

    TXmlNode* drctDbtTx2 = drctDbtTxInf2->AddChild("DrctDbtTx");
    TXmlNode* mndtRltdInf2 = drctDbtTx2->AddChild("MndtRltdInf");
    mndtRltdInf2->AddChild("MndtId")->Text = "Other-Mandate-Id";
    mndtRltdInf2->AddChild("DtOfSgntr")->Text = "2023-12-01";
    mndtRltdInf2->AddChild("AmdmntInd")->Text = "false";

    // DbtrAgt
    TXmlNode* dbtrAgt2 = drctDbtTxInf2->AddChild("DbtrAgt");
    TXmlNode* finInstnId2 = dbtrAgt2->AddChild("FinInstnId");
    finInstnId2->AddChild("BICFI")->Text = "SPUEDE2UXXX";

    // Dbtr
    TXmlNode* dbtr2 = drctDbtTxInf2->AddChild("Dbtr");
    dbtr2->AddChild("Nm")->Text = "Other Debtor Name";

    // DbtrAcct
    TXmlNode* dbtrAcct2 = drctDbtTxInf2->AddChild("DbtrAcct");
    TXmlNode* id2 = dbtrAcct2->AddChild("Id");
    id2->AddChild("IBAN")->Text = "DE21500500001234567897";

    // UltmtDbtr
    TXmlNode* ultmtDbtr2 = drctDbtTxInf2->AddChild("UltmtDbtr");
    ultmtDbtr2->AddChild("Nm")->Text = "Ultimate Debtor Name";

    // RmtInf
    TXmlNode* rmtInf2 = drctDbtTxInf2->AddChild("RmtInf");
    rmtInf2->AddChild("Ustrd")->Text = "Unstructured Remittance Information";

</Document>
</Document>

```