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        xmlns:xhtml="http://www.w3.org/1999/xhtml"
        xmlns:image="http://www.sitemaps.org/schemas/sitemap-image/0.9">

  <!-- ============================================== -->
  <!-- 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/crypto</loc>
    <lastmod>2026-09-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

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

  <url>
    <loc>https://useswapto.com/crypto-to-naira-converter</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 -->
  <!-- Uncomment these when real URLs are built -->
  <!-- (currently these are query params: /crypto-to-naira-converter?coin=BTC) -->
  <!-- ============================================== -->

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

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

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

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

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

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

</urlset>
