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  <!-- ============================================== -->
  <!-- HOMEPAGE -->
  <!-- ============================================== -->
  <url>
    <loc>https://useswapto.com/</loc>
    <lastmod>2026-09-06</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- ============================================== -->
  <!-- CORE PRODUCT PAGES -->
  <!-- ============================================== -->
  <url>
    <loc>https://useswapto.com/sell</loc>
    <lastmod>2026-09-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://useswapto.com/spend</loc>
    <lastmod>2026-09-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://useswapto.com/rates</loc>
    <lastmod>2026-09-06</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ============================================== -->
  <!-- BLOG INDEX -->
  <!-- ============================================== -->
  <url>
    <loc>https://useswapto.com/blog</loc>
    <lastmod>2026-09-06</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ============================================== -->
  <!-- TRUST PAGES -->
  <!-- ============================================== -->
  <url>
    <loc>https://useswapto.com/about</loc>
    <lastmod>2026-09-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://useswapto.com/contact</loc>
    <lastmod>2026-09-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://useswapto.com/help-center</loc>
    <lastmod>2026-09-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ============================================== -->
  <!-- LEGAL PAGES -->
  <!-- ============================================== -->
  <url>
    <loc>https://useswapto.com/terms</loc>
    <lastmod>2026-09-06</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://useswapto.com/privacy-policy</loc>
    <lastmod>2026-09-06</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://useswapto.com/aml-policy</loc>
    <lastmod>2026-09-06</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://useswapto.com/kyc-policy</loc>
    <lastmod>2026-09-06</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- ============================================== -->
  <!-- COIN SELL PAGES (src/lib/coins.ts) -->
  <!-- ============================================== -->
  <url>
    <loc>https://useswapto.com/sell/bitcoin</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://useswapto.com/sell/usdt</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://useswapto.com/sell/ethereum</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://useswapto.com/sell/usdc</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://useswapto.com/sell/bnb</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://useswapto.com/sell/tron</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://useswapto.com/sell/litecoin</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ============================================== -->
  <!-- COIN RATE PAGES (src/lib/coins.ts) -->
  <!-- ============================================== -->
  <url>
    <loc>https://useswapto.com/rates/usdt-to-naira</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://useswapto.com/rates/btc-to-naira</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://useswapto.com/rates/eth-to-naira</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://useswapto.com/rates/trx-to-naira</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://useswapto.com/rates/usdc-to-naira</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://useswapto.com/rates/bnb-to-naira</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://useswapto.com/rates/ltc-to-naira</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

</urlset>
