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<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">

  <!-- Homepage (For Cardholders) -->
  <url>
    <loc>https://adinafinanceapp.com/</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <image:image>
      <image:loc>https://adinafinanceapp.com/lovable-uploads/e997fda0-10f2-47cf-b8ee-72a51bc0e775.png</image:loc>
      <image:title>Adina Finance — Credit Card Bill Payoff Before Due Date</image:title>
      <image:caption>We pay your full credit card balance before every due date for a flat 5% convenience fee. Partner cardholders earn up to 4% cashback plus priority ACH.</image:caption>
    </image:image>
  </url>

  <!-- Get Started Funnel -->
  <url>
    <loc>https://adinafinanceapp.com/get-started</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>

  <!-- For Funders (Funder Wallet) -->
  <url>
    <loc>https://adinafinanceapp.com/for-funders</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
    <image:image>
      <image:loc>https://adinafinanceapp.com/lovable-uploads/e997fda0-10f2-47cf-b8ee-72a51bc0e775.png</image:loc>
      <image:title>For Funders — Fund a bill. Earn cash back.</image:title>
      <image:caption>Fund consumer credit card bill payoffs from your Adina wallet and earn 4–6% cashback per bill (not guaranteed). FDIC-insured escrow. Withdraw funds any time.</image:caption>
    </image:image>
  </url>

  <!-- Bank Partnership (For Card Issuers) -->
  <url>
    <loc>https://adinafinanceapp.com/bank-partnership</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <image:image>
      <image:loc>https://adinafinanceapp.com/lovable-uploads/e997fda0-10f2-47cf-b8ee-72a51bc0e775.png</image:loc>
      <image:title>For Card Issuers — Prevent Charge-Offs with Adina</image:title>
      <image:caption>SaaS ($0.50–$2/cardholder/mo) plus outcome fees (prevented charge-offs, payoff replacement, leads). $50 acquisition program available.</image:caption>
    </image:image>
  </url>

  <!-- Bank Analytics Demo -->
  <url>
    <loc>https://adinafinanceapp.com/bank-analytics-demo</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- Bank ROI Calculator -->
  <url>
    <loc>https://adinafinanceapp.com/bank-roi-calculator</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Payment Protection -->
  <url>
    <loc>https://adinafinanceapp.com/payment-protection</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Capital Progress -->
  <url>
    <loc>https://adinafinanceapp.com/capital-progress</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Investor Memo -->
  <url>
    <loc>https://adinafinanceapp.com/investor-memo</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Demo Walkthroughs -->
  <url>
    <loc>https://adinafinanceapp.com/demo-walkthrough</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://adinafinanceapp.com/demo-walkthrough-issuer</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>

  <!-- Clickable Prototypes -->
  <url>
    <loc>https://adinafinanceapp.com/consumer-prototype-demo</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://adinafinanceapp.com/bank-prototype-demo</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Blog -->
  <url>
    <loc>https://adinafinanceapp.com/blog</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://adinafinanceapp.com/blog/how-to-avoid-credit-card-late-fees</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Authentication -->
  <url>
    <loc>https://adinafinanceapp.com/auth</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Legal Pages -->
  <url>
    <loc>https://adinafinanceapp.com/privacy-policy</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://adinafinanceapp.com/terms-of-use</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Compliance Policies -->
  <url>
    <loc>https://adinafinanceapp.com/compliance/bsa-aml-policy</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://adinafinanceapp.com/compliance/information-security-policy</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://adinafinanceapp.com/compliance/access-controls-policy</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://adinafinanceapp.com/compliance/data-retention-policy</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
