<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Core surfaces -->
  <url>
    <loc>https://klyqo.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://klyqo.com/blueprint</loc>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://klyqo.com/blueprints</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://klyqo.com/marketplace</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://klyqo.com/case-studies</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://klyqo.com/partners</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://klyqo.com/providers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Solutions (verticals) -->
  <url>
    <loc>https://klyqo.com/for</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://klyqo.com/for/cooperative-banks</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://klyqo.com/for/neobanks</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://klyqo.com/for/sme</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://klyqo.com/for/embedded</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://klyqo.com/for/lending</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Blueprint catalogue · 12 reference architectures -->
  <url><loc>https://klyqo.com/blueprints/consumer-neobank</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://klyqo.com/blueprints/sme-neobank</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://klyqo.com/blueprints/microcredit</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://klyqo.com/blueprints/bnpl</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://klyqo.com/blueprints/embedded-finance</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://klyqo.com/blueprints/embedded-sme-lending</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://klyqo.com/blueprints/sponsor-bank-fintech</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://klyqo.com/blueprints/card-issuance</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://klyqo.com/blueprints/merchant-acquiring</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://klyqo.com/blueprints/cross-border-remittance</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://klyqo.com/blueprints/aml-alert-triage</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://klyqo.com/blueprints/bank-switch</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
</urlset>
