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Generate pain XML from records

generate_message
Read-onlyIdempotent

Convert in-memory payment records into validated ISO 20022 pain XML, returning the message or all validation errors at once.

Instructions

Generate a validated ISO 20022 pain XML message from in-memory records.

This is the primary generation tool: pass records you already hold in
memory. Use ``generate_message_from_file`` when the data lives in a CSV
on disk, and ``generate_message_async`` for very large batches you want
to run off the event loop. The result is XSD-validated before return; no
file is written.

Records are normalized before rendering: 'amount'/'currency' aliases,
JSON booleans, and bare 'YYYY-MM-DD' dates are accepted, and
nb_of_txs/ctrl_sum are computed from the records. On failure the
``{"error": ...}`` payload lists every missing or invalid field at
once. IBAN/BIC values are strictly validated, never coerced.

Returns the validated XML document as a string, or a JSON-encoded
``{"error": ...}`` payload if generation fails.

Args:
    message_type: A supported ISO 20022 pain message type.
    records: One or more flat payment records.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
recordsYesOne or more flat payment records (dicts of field name → value). Key fields (see get_input_schema for the full contract): id, date (payment-initiation timestamp; 'YYYY-MM-DD' is accepted and rendered as midnight), initiator_name, payment_id, requested_execution_date ('YYYY-MM-DD'), debtor_name, debtor_account_IBAN, debtor_agent_BIC, creditor_name, creditor_account_IBAN, creditor_agent_BIC, payment_amount (alias: 'amount'; max two decimals), currency (alias: 'payment_currency'; ISO 4217, e.g. 'EUR'), remittance_information. batch_booking accepts JSON true/false. nb_of_txs and ctrl_sum are computed automatically from the records and may be omitted. payment_method defaults to 'TRF' and charge_bearer to 'SLEV'. IBAN and BIC values are strictly validated and never coerced.
message_typeYesA supported ISO 20022 pain message type. Must be exactly one of: 'pain.001.001.03', 'pain.001.001.04', 'pain.001.001.05', 'pain.001.001.06', 'pain.001.001.07', 'pain.001.001.08', 'pain.001.001.09', 'pain.001.001.10', 'pain.001.001.11', 'pain.001.001.12', 'pain.001.001.13', 'pain.008.001.02', 'pain.008.001.08', 'pain.001', 'pain.008' (see list_message_types). The bare family names 'pain.001' and 'pain.008' are accepted as aliases for 'pain.001.001.09' and 'pain.008.001.02'.

Output Schema

TableJSON Schema
NameRequiredDescriptionDefault
resultYes

Schema Changelog

Changes observed during successful MCP inspections.

  1. Changed2 schema fields changedv0.0.67
    • changedInput schema / properties / message_type / description
      Previous value: -"A supported ISO 20022 pain message type. Must be exactly one of: 'pain.001.001.03', 'pain.001.001.04', 'pain.001.001.05', 'pain.001.001.06', 'pain.001.001.07', 'pain.001.001.08', 'pain.001.001.09', 'pain.001.001.10', 'pain.001.001.11', 'pain.001.001.12', 'pain.001.001.13', 'pain.008.001.02', 'pain.001', 'pain.008' (see list_message_types). The bare family names 'pain.001' and 'pain.008' are accepted as aliases for 'pain.001.001.09' and 'pain.008.001.02'."New value: +"A supported ISO 20022 pain message type. Must be exactly one of: 'pain.001.001.03', 'pain.001.001.04', 'pain.001.001.05', 'pain.001.001.06', 'pain.001.001.07', 'pain.001.001.08', 'pain.001.001.09', 'pain.001.001.10', 'pain.001.001.11', 'pain.001.001.12', 'pain.001.001.13', 'pain.008.001.02', 'pain.008.001.08', 'pain.001', 'pain.008' (see list_message_types). The bare family names 'pain.001' and 'pain.008' are accepted as aliases for 'pain.001.001.09' and 'pain.008.001.02'."
    • changedInput schema / properties / message_type / enum
      Previous value: -[
      -  "pain.001.001.03",
      -  "pain.001.001.04",
      -  "pain.001.001.05",
      -  "pain.001.001.06",
      -  "pain.001.001.07",
      -  "pain.001.001.08",
      -  "pain.001.001.09",
      -  "pain.001.001.10",
      -  "pain.001.001.11",
      -  "pain.001.001.12",
      -  "pain.001.001.13",
      -  "pain.008.001.02",
      -  "pain.001",
      -  "pain.008"
      -]New value: +[
      +  "pain.001.001.03",
      +  "pain.001.001.04",
      +  "pain.001.001.05",
      +  "pain.001.001.06",
      +  "pain.001.001.07",
      +  "pain.001.001.08",
      +  "pain.001.001.09",
      +  "pain.001.001.10",
      +  "pain.001.001.11",
      +  "pain.001.001.12",
      +  "pain.001.001.13",
      +  "pain.008.001.02",
      +  "pain.008.001.08",
      +  "pain.001",
      +  "pain.008"
      +]
  2. Changed2 schema fields changed
    • changedInput schema / properties / message_type / description
      Previous value: -"A supported ISO 20022 pain message type. Must be exactly one of: 'pain.001.001.03', 'pain.001.001.04', 'pain.001.001.05', 'pain.001.001.06', 'pain.001.001.07', 'pain.001.001.08', 'pain.001.001.09', 'pain.001.001.10', 'pain.001.001.11', 'pain.001.001.12', 'pain.008.001.02', 'pain.001', 'pain.008' (see list_message_types). The bare family names 'pain.001' and 'pain.008' are accepted as aliases for 'pain.001.001.09' and 'pain.008.001.02'."New value: +"A supported ISO 20022 pain message type. Must be exactly one of: 'pain.001.001.03', 'pain.001.001.04', 'pain.001.001.05', 'pain.001.001.06', 'pain.001.001.07', 'pain.001.001.08', 'pain.001.001.09', 'pain.001.001.10', 'pain.001.001.11', 'pain.001.001.12', 'pain.001.001.13', 'pain.008.001.02', 'pain.001', 'pain.008' (see list_message_types). The bare family names 'pain.001' and 'pain.008' are accepted as aliases for 'pain.001.001.09' and 'pain.008.001.02'."
    • changedInput schema / properties / message_type / enum
      Previous value: -[
      -  "pain.001.001.03",
      -  "pain.001.001.04",
      -  "pain.001.001.05",
      -  "pain.001.001.06",
      -  "pain.001.001.07",
      -  "pain.001.001.08",
      -  "pain.001.001.09",
      -  "pain.001.001.10",
      -  "pain.001.001.11",
      -  "pain.001.001.12",
      -  "pain.008.001.02",
      -  "pain.001",
      -  "pain.008"
      -]New value: +[
      +  "pain.001.001.03",
      +  "pain.001.001.04",
      +  "pain.001.001.05",
      +  "pain.001.001.06",
      +  "pain.001.001.07",
      +  "pain.001.001.08",
      +  "pain.001.001.09",
      +  "pain.001.001.10",
      +  "pain.001.001.11",
      +  "pain.001.001.12",
      +  "pain.001.001.13",
      +  "pain.008.001.02",
      +  "pain.001",
      +  "pain.008"
      +]
  3. Addedv0.0.60
  4. Removed
  5. Changed3 schema fields changed
    • changedInput schema / properties / message_type / description
      Previous value: -"A supported ISO 20022 pain message type. Must be exactly one of: 'pain.001.001.03', 'pain.001.001.04', 'pain.001.001.05', 'pain.001.001.06', 'pain.001.001.07', 'pain.001.001.08', 'pain.001.001.09', 'pain.001.001.10', 'pain.001.001.11', 'pain.001.001.12', 'pain.008.001.02' (see list_message_types)."New value: +"A supported ISO 20022 pain message type. Must be exactly one of: 'pain.001.001.03', 'pain.001.001.04', 'pain.001.001.05', 'pain.001.001.06', 'pain.001.001.07', 'pain.001.001.08', 'pain.001.001.09', 'pain.001.001.10', 'pain.001.001.11', 'pain.001.001.12', 'pain.008.001.02', 'pain.001', 'pain.008' (see list_message_types). The bare family names 'pain.001' and 'pain.008' are accepted as aliases for 'pain.001.001.09' and 'pain.008.001.02'."
    • changedInput schema / properties / message_type / enum
      Previous value: -[
      -  "pain.001.001.03",
      -  "pain.001.001.04",
      -  "pain.001.001.05",
      -  "pain.001.001.06",
      -  "pain.001.001.07",
      -  "pain.001.001.08",
      -  "pain.001.001.09",
      -  "pain.001.001.10",
      -  "pain.001.001.11",
      -  "pain.001.001.12",
      -  "pain.008.001.02"
      -]New value: +[
      +  "pain.001.001.03",
      +  "pain.001.001.04",
      +  "pain.001.001.05",
      +  "pain.001.001.06",
      +  "pain.001.001.07",
      +  "pain.001.001.08",
      +  "pain.001.001.09",
      +  "pain.001.001.10",
      +  "pain.001.001.11",
      +  "pain.001.001.12",
      +  "pain.008.001.02",
      +  "pain.001",
      +  "pain.008"
      +]
    • changedInput schema / properties / records / description
      Previous value: -"One or more flat payment records (each a dict of field name → value) to render into the XML; validate them first with validate_records. See get_input_schema for the fields."New value: +"One or more flat payment records (dicts of field name → value). Key fields (see get_input_schema for the full contract): id, date (payment-initiation timestamp; 'YYYY-MM-DD' is accepted and rendered as midnight), initiator_name, payment_id, requested_execution_date ('YYYY-MM-DD'), debtor_name, debtor_account_IBAN, debtor_agent_BIC, creditor_name, creditor_account_IBAN, creditor_agent_BIC, payment_amount (alias: 'amount'; max two decimals), currency (alias: 'payment_currency'; ISO 4217, e.g. 'EUR'), remittance_information. batch_booking accepts JSON true/false. nb_of_txs and ctrl_sum are computed automatically from the records and may be omitted. payment_method defaults to 'TRF' and charge_bearer to 'SLEV'. IBAN and BIC values are strictly validated and never coerced."
  6. Changed2 schema fields changedv0.0.57
    • changedInput schema / properties / message_type / description
      Previous value: -"The target ISO 20022 pain message type to render, e.g. 'pain.001.001.09' — see list_message_types."New value: +"A supported ISO 20022 pain message type. Must be exactly one of: 'pain.001.001.03', 'pain.001.001.04', 'pain.001.001.05', 'pain.001.001.06', 'pain.001.001.07', 'pain.001.001.08', 'pain.001.001.09', 'pain.001.001.10', 'pain.001.001.11', 'pain.001.001.12', 'pain.008.001.02' (see list_message_types)."
    • addedInput schema / properties / message_type / enum
      Added value: +[
      +  "pain.001.001.03",
      +  "pain.001.001.04",
      +  "pain.001.001.05",
      +  "pain.001.001.06",
      +  "pain.001.001.07",
      +  "pain.001.001.08",
      +  "pain.001.001.09",
      +  "pain.001.001.10",
      +  "pain.001.001.11",
      +  "pain.001.001.12",
      +  "pain.008.001.02"
      +]
  7. Changed2 schema fields changedv0.0.56
    • addedInput schema / properties / message_type / description
      Added value: +"The target ISO 20022 pain message type to render, e.g. 'pain.001.001.09' — see list_message_types."
    • addedInput schema / properties / records / description
      Added value: +"One or more flat payment records (each a dict of field name → value) to render into the XML; validate them first with validate_records. See get_input_schema for the fields."
  8. First observed

TDQS

A4.6/5.0
Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already declare readOnly/idempotent/non-destructive, and the description adds material behavior: the result is XSD-validated before return, no file is written, records are normalized (aliases, JSON booleans, bare dates, computed nb_of_txs/ctrl_sum), failures list every bad field at once, and IBAN/BIC are strictly validated and never coerced.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Well front-loaded: purpose and sibling routing come first, then behavior, then return values, then Args. Some normalization detail duplicates the schema text, but no sentence is wasted enough to undercut structure.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a two-parameter generator with an output schema and full annotation coverage, the description covers purpose, alternatives, validation, normalization, and failure shape. Nothing an agent needs to call it correctly is missing.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 100%, so the schema already documents both parameters in depth, including aliases, defaults, and validation rules. The description's Args block restates the same ground ('A supported ISO 20022 pain message type'), adding little over the enum and schema text; baseline 3 applies.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

States a specific verb and resource ('Generate a validated ISO 20022 pain XML message from in-memory records') and explicitly contrasts itself with the two nearest siblings. An agent can identify this as the in-memory primary generator without opening any schema.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines5/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Explicit routing guidance: use this for records held in memory, use generate_message_from_file when data lives in a CSV on disk, and generate_message_async for very large batches off the event loop. Both when-to-use and alternative conditions are stated.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.