<?xml version='1.0' encoding='utf-8'?>
<!-- Sitemap подготовлен НА МОМЕНТ ЗАПУСКА ДОМЕНА: индексация закрыта решением проекта
     (robots.txt не рекламирует этот файл, каждая страница несёт noindex,nofollow, на всём
     контуре стоит X-Robots-Tag). Список собран из tools/seo-meta.mjs; адреса записаны
     через единый SITE_ORIGIN из tools/prerender-v20.mjs — после покупки домена файл
     пересобирается одной командой: node tools/prerender-v20.mjs с флагом meta-only
     Включены только страницы, которые политика разрешает индексировать. Служебные
     адреса сознательно не включены (иначе Search Console покажет «Blocked by robots.txt»):
       https://example.com/epochs — robots.txt закрывает /epochs, страница несёт noindex — в sitemap попадёт после открытия индексации
       https://example.com/concierge.html — robots.txt закрывает /concierge, страница требует входа — в sitemap не включается
       https://example.com/account — robots.txt закрывает /account, страница за входом — в sitemap не включается
       https://example.com/404.html — служебная страница ошибки: canonical не ставится, в sitemap не включается
     lastmod — дата фактического изменения текста из реестра, а не дата сборки:
     пересборка меты больше не объявляет весь сайт обновлённым.
     Открыть индексацию: снять noindex со страниц, убрать Disallow из robots.txt и
     выставить includeUtility=true в buildSitemap().
     Внутри XML-комментария не должно быть двух дефисов подряд: это ломает разбор документа. -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml">
  <url>
    <loc>https://example.com/</loc>
    <xhtml:link rel="alternate" hreflang="ru" href="https://example.com/"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://example.com/en/"/>
    <xhtml:link rel="alternate" hreflang="az" href="https://example.com/az/"/>
    <xhtml:link rel="alternate" hreflang="be" href="https://example.com/be/"/>
    <xhtml:link rel="alternate" hreflang="hy" href="https://example.com/hy/"/>
    <xhtml:link rel="alternate" hreflang="ka" href="https://example.com/ka/"/>
    <xhtml:link rel="alternate" hreflang="kk" href="https://example.com/kk/"/>
    <xhtml:link rel="alternate" hreflang="ky" href="https://example.com/ky/"/>
    <xhtml:link rel="alternate" hreflang="ro" href="https://example.com/ro/"/>
    <xhtml:link rel="alternate" hreflang="tg" href="https://example.com/tg/"/>
    <xhtml:link rel="alternate" hreflang="tk" href="https://example.com/tk/"/>
    <xhtml:link rel="alternate" hreflang="uk" href="https://example.com/uk/"/>
    <xhtml:link rel="alternate" hreflang="uz-Cyrl" href="https://example.com/uz-Cyrl/"/>
    <xhtml:link rel="alternate" hreflang="uz-Latn" href="https://example.com/uz-Latn/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://example.com/"/>
    <lastmod>2026-10-19</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://example.com/faq.html</loc>
    <xhtml:link rel="alternate" hreflang="ru" href="https://example.com/faq.html"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://example.com/en/faq.html"/>
    <xhtml:link rel="alternate" hreflang="az" href="https://example.com/az/faq.html"/>
    <xhtml:link rel="alternate" hreflang="be" href="https://example.com/be/faq.html"/>
    <xhtml:link rel="alternate" hreflang="hy" href="https://example.com/hy/faq.html"/>
    <xhtml:link rel="alternate" hreflang="ka" href="https://example.com/ka/faq.html"/>
    <xhtml:link rel="alternate" hreflang="kk" href="https://example.com/kk/faq.html"/>
    <xhtml:link rel="alternate" hreflang="ky" href="https://example.com/ky/faq.html"/>
    <xhtml:link rel="alternate" hreflang="ro" href="https://example.com/ro/faq.html"/>
    <xhtml:link rel="alternate" hreflang="tg" href="https://example.com/tg/faq.html"/>
    <xhtml:link rel="alternate" hreflang="tk" href="https://example.com/tk/faq.html"/>
    <xhtml:link rel="alternate" hreflang="uk" href="https://example.com/uk/faq.html"/>
    <xhtml:link rel="alternate" hreflang="uz-Cyrl" href="https://example.com/uz-Cyrl/faq.html"/>
    <xhtml:link rel="alternate" hreflang="uz-Latn" href="https://example.com/uz-Latn/faq.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://example.com/faq.html"/>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://example.com/about.html</loc>
    <xhtml:link rel="alternate" hreflang="ru" href="https://example.com/about.html"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://example.com/en/about.html"/>
    <xhtml:link rel="alternate" hreflang="az" href="https://example.com/az/about.html"/>
    <xhtml:link rel="alternate" hreflang="be" href="https://example.com/be/about.html"/>
    <xhtml:link rel="alternate" hreflang="hy" href="https://example.com/hy/about.html"/>
    <xhtml:link rel="alternate" hreflang="ka" href="https://example.com/ka/about.html"/>
    <xhtml:link rel="alternate" hreflang="kk" href="https://example.com/kk/about.html"/>
    <xhtml:link rel="alternate" hreflang="ky" href="https://example.com/ky/about.html"/>
    <xhtml:link rel="alternate" hreflang="ro" href="https://example.com/ro/about.html"/>
    <xhtml:link rel="alternate" hreflang="tg" href="https://example.com/tg/about.html"/>
    <xhtml:link rel="alternate" hreflang="tk" href="https://example.com/tk/about.html"/>
    <xhtml:link rel="alternate" hreflang="uk" href="https://example.com/uk/about.html"/>
    <xhtml:link rel="alternate" hreflang="uz-Cyrl" href="https://example.com/uz-Cyrl/about.html"/>
    <xhtml:link rel="alternate" hreflang="uz-Latn" href="https://example.com/uz-Latn/about.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://example.com/about.html"/>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://example.com/legal-risk.html</loc>
    <xhtml:link rel="alternate" hreflang="ru" href="https://example.com/legal-risk.html"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://example.com/en/legal-risk.html"/>
    <xhtml:link rel="alternate" hreflang="az" href="https://example.com/az/legal-risk.html"/>
    <xhtml:link rel="alternate" hreflang="be" href="https://example.com/be/legal-risk.html"/>
    <xhtml:link rel="alternate" hreflang="hy" href="https://example.com/hy/legal-risk.html"/>
    <xhtml:link rel="alternate" hreflang="ka" href="https://example.com/ka/legal-risk.html"/>
    <xhtml:link rel="alternate" hreflang="kk" href="https://example.com/kk/legal-risk.html"/>
    <xhtml:link rel="alternate" hreflang="ky" href="https://example.com/ky/legal-risk.html"/>
    <xhtml:link rel="alternate" hreflang="ro" href="https://example.com/ro/legal-risk.html"/>
    <xhtml:link rel="alternate" hreflang="tg" href="https://example.com/tg/legal-risk.html"/>
    <xhtml:link rel="alternate" hreflang="tk" href="https://example.com/tk/legal-risk.html"/>
    <xhtml:link rel="alternate" hreflang="uk" href="https://example.com/uk/legal-risk.html"/>
    <xhtml:link rel="alternate" hreflang="uz-Cyrl" href="https://example.com/uz-Cyrl/legal-risk.html"/>
    <xhtml:link rel="alternate" hreflang="uz-Latn" href="https://example.com/uz-Latn/legal-risk.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://example.com/legal-risk.html"/>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://example.com/legal-terms.html</loc>
    <xhtml:link rel="alternate" hreflang="ru" href="https://example.com/legal-terms.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://example.com/legal-terms.html"/>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://example.com/tiers.html</loc>
    <xhtml:link rel="alternate" hreflang="ru" href="https://example.com/tiers.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://example.com/tiers.html"/>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://example.com/calculator.html</loc>
    <xhtml:link rel="alternate" hreflang="ru" href="https://example.com/calculator.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://example.com/calculator.html"/>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://example.com/how-accrual-works.html</loc>
    <xhtml:link rel="alternate" hreflang="ru" href="https://example.com/how-accrual-works.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://example.com/how-accrual-works.html"/>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://example.com/cover-reserve.html</loc>
    <xhtml:link rel="alternate" hreflang="ru" href="https://example.com/cover-reserve.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://example.com/cover-reserve.html"/>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://example.com/terms-30-90-180.html</loc>
    <xhtml:link rel="alternate" hreflang="ru" href="https://example.com/terms-30-90-180.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://example.com/terms-30-90-180.html"/>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://example.com/withdrawal-faq.html</loc>
    <xhtml:link rel="alternate" hreflang="ru" href="https://example.com/withdrawal-faq.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://example.com/withdrawal-faq.html"/>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://example.com/glossary.html</loc>
    <xhtml:link rel="alternate" hreflang="ru" href="https://example.com/glossary.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://example.com/glossary.html"/>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://example.com/security.html</loc>
    <xhtml:link rel="alternate" hreflang="ru" href="https://example.com/security.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://example.com/security.html"/>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://example.com/rates-history.html</loc>
    <xhtml:link rel="alternate" hreflang="ru" href="https://example.com/rates-history.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://example.com/rates-history.html"/>
    <lastmod>2026-10-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://example.com/platform-mode.html</loc>
    <xhtml:link rel="alternate" hreflang="ru" href="https://example.com/platform-mode.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://example.com/platform-mode.html"/>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://example.com/market.html</loc>
    <xhtml:link rel="alternate" hreflang="ru" href="https://example.com/market.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://example.com/market.html"/>
    <lastmod>2026-10-19</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>
  </url>
</urlset>
