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    <!-- Core Pages (High Priority) -->
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        <loc>https://kokofinance.net/</loc>
        <lastmod>2026-03-07</lastmod>
        <changefreq>weekly</changefreq>
        <priority>1.0</priority>
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    <url>
        <loc>https://kokofinance.net/developers.html</loc>
        <lastmod>2026-03-07</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
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    <url>
        <loc>https://kokofinance.net/pricing.html</loc>
        <lastmod>2026-03-07</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
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    <url>
        <loc>https://kokofinance.net/card-studio.html</loc>
        <lastmod>2026-03-07</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.7</priority>
    </url>
    <url>
        <loc>https://kokofinance.net/dashboard.html</loc>
        <lastmod>2026-03-09</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>

    <!-- Consumer Tools (accessed via Card Studio) -->
    <url>
        <loc>https://kokofinance.net/portfolio.html</loc>
        <lastmod>2026-03-07</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://kokofinance.net/discovery.html</loc>
        <lastmod>2026-03-07</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.5</priority>
    </url>

    <!-- Calculator Pages -->
    <url>
        <loc>https://kokofinance.net/pages/calculators/which-card.html</loc>
        <lastmod>2025-01-10</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://kokofinance.net/pages/calculators/travel-planner.html</loc>
        <lastmod>2025-01-10</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://kokofinance.net/pages/calculators/purchase-planner.html</loc>
        <lastmod>2025-01-10</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://kokofinance.net/pages/calculators/renewal.html</loc>
        <lastmod>2026-03-20</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>

    <!-- Legal/Info Pages -->
    <url>
        <loc>https://kokofinance.net/terms.html</loc>
        <lastmod>2025-01-08</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>
    <url>
        <loc>https://kokofinance.net/privacy.html</loc>
        <lastmod>2025-01-08</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>
    <url>
        <loc>https://kokofinance.net/contact.html</loc>
        <lastmod>2025-01-08</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>
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