<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Core pages -->
  <url>
    <loc>https://djopay.com/</loc>
    <lastmod>2026-02-11</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://djopay.com/login</loc>
    <lastmod>2026-02-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://djopay.com/signup</loc>
    <lastmod>2026-02-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Financial services -->
  <url>
    <loc>https://djopay.com/topup</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://djopay.com/services/cards</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://djopay.com/services/cards/issue</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://djopay.com/services/p2p-transfer</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://djopay.com/redeem</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Gaming -->
  <url>
    <loc>https://djopay.com/services/game-topup</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Digital services -->
  <url>
    <loc>https://djopay.com/services/starlink</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://djopay.com/services/vpn</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://djopay.com/services/giftcards</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://djopay.com/services/education</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://djopay.com/services/travel-visa</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- AI & Crypto -->
  <url>
    <loc>https://djopay.com/services/ai-studio</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://djopay.com/services/tarot</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- Legal pages -->
  <url>
    <loc>https://djopay.com/privacy</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://djopay.com/terms</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
</urlset>
