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    <!-- Core Pages (High Priority) -->
    <url>
        <loc>https://kokofinance.net/</loc>
        <lastmod>2026-04-29</lastmod>
        <changefreq>weekly</changefreq>
        <priority>1.0</priority>
    </url>
    <url>
        <loc>https://kokofinance.net/developers.html</loc>
        <lastmod>2026-04-29</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
    </url>
    <url>
        <loc>https://kokofinance.net/pricing.html</loc>
        <lastmod>2026-04-02</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://kokofinance.net/card-studio.html</loc>
        <lastmod>2026-04-29</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.8</priority>
    </url>

    <!-- Card Intelligence Tools -->
    <url>
        <loc>https://kokofinance.net/explore.html</loc>
        <lastmod>2026-04-29</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.7</priority>
    </url>
    <url>
        <loc>https://kokofinance.net/compare.html</loc>
        <lastmod>2026-04-29</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://kokofinance.net/portfolio.html</loc>
        <lastmod>2026-04-29</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://kokofinance.net/points-playbook.html</loc>
        <lastmod>2026-04-29</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://kokofinance.net/which-card.html</loc>
        <lastmod>2026-04-29</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://kokofinance.net/travel-planner.html</loc>
        <lastmod>2026-04-29</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://kokofinance.net/purchase-planner.html</loc>
        <lastmod>2026-04-29</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://kokofinance.net/renewal.html</loc>
        <lastmod>2026-04-29</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>

    <!-- Debt Management -->
    <url>
        <loc>https://kokofinance.net/debt-planner.html</loc>
        <lastmod>2026-04-29</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>

    <!-- Card Detail Page -->
    <url>
        <loc>https://kokofinance.net/card.html</loc>
        <lastmod>2026-04-29</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.4</priority>
    </url>

    <!-- Developer Dashboard (requires auth) -->
    <url>
        <loc>https://kokofinance.net/dashboard.html</loc>
        <lastmod>2026-04-29</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.4</priority>
    </url>

    <!-- Legal/Info Pages -->
    <url>
        <loc>https://kokofinance.net/terms.html</loc>
        <lastmod>2026-02-26</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>
    <url>
        <loc>https://kokofinance.net/privacy.html</loc>
        <lastmod>2026-02-26</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>
    <url>
        <loc>https://kokofinance.net/contact.html</loc>
        <lastmod>2026-02-14</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>
</urlset>
