unless you consider dbmail creating an attachment as a file for an email, SQL server itself, doesn't have any native ways to write files to disk that I can think of; everything's an application...SQL Server Management Studio itself,, bcp,dts/ssis, CLR methods, powershell, Office like excel/word, custom applicaitons, etc all would count as "applications" in my book.
it would be better for you to identify what applications you don't wnat to use instead.
what's the real requirement? write data to disk, or not use applications at all? Think it through and let us know what you really need to do.
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