<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">

  <!-- Homepage (For Consumers) -->
  <url>
    <loc>https://adinafinanceapp.com/</loc>
    <lastmod>2026-04-22</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 — Free Credit Card Bill Payoff, Funded by Your Bank</image:title>
      <image:caption>We pay your credit card bill in full before the due date. Your bank or credit union pays all of the fees — you owe $0 extra.</image:caption>
    </image:image>
  </url>

  <!-- Get Started Funnel -->
  <url>
    <loc>https://adinafinanceapp.com/get-started</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>

  <!-- For Consumers (Pay Now Charge Later) -->
  <url>
    <loc>https://adinafinanceapp.com/pay-now-charge-later</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
    <image:image>
      <image:loc>https://adinafinanceapp.com/lovable-uploads/e997fda0-10f2-47cf-b8ee-72a51bc0e775.png</image:loc>
      <image:title>For Consumers — Your Bank Pays the Fees, You Just Repay</image:title>
      <image:caption>Two payments per cycle for a perfect credit score. Your bank or credit union pays all of the fees, so you owe $0 extra.</image:caption>
    </image:image>
  </url>

  <!-- Peer Lending Platform -->
  <url>
    <loc>https://adinafinanceapp.com/peer-lending</loc>
    <lastmod>2026-04-22</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 Lenders — Earn Up to 10% Funding Credit Card Payoffs</image:title>
      <image:caption>Your capital. Their credit. Better returns. Up to 10% in tips, 99.9% repayment rate, FDIC-insured at Mercury, withdraw anytime.</image:caption>
    </image:image>
  </url>

  <!-- Bank Partnership (For Card Issuers) -->
  <url>
    <loc>https://adinafinanceapp.com/bank-partnership</loc>
    <lastmod>2026-04-22</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 — $50 per New Cardholder, Reduced Platform Fees</image:title>
      <image:caption>Pay $50 per new credit card account Adina acquires for you, and unlock reduced platform fees on every tier.</image:caption>
    </image:image>
  </url>

  <!-- Bank Analytics Demo -->
  <url>
    <loc>https://adinafinanceapp.com/bank-analytics-demo</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- Bank ROI Calculator -->
  <url>
    <loc>https://adinafinanceapp.com/bank-roi-calculator</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Payment Protection -->
  <url>
    <loc>https://adinafinanceapp.com/payment-protection</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Capital Progress -->
  <url>
    <loc>https://adinafinanceapp.com/capital-progress</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Investor Memo -->
  <url>
    <loc>https://adinafinanceapp.com/investor-memo</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Demo Walkthrough -->
  <url>
    <loc>https://adinafinanceapp.com/demo-walkthrough</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Demo Walkthrough Lender -->
  <url>
    <loc>https://adinafinanceapp.com/demo-walkthrough-lender</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>

  <!-- Demo Walkthrough Issuer -->
  <url>
    <loc>https://adinafinanceapp.com/demo-walkthrough-issuer</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>

  <!-- Blog -->
  <url>
    <loc>https://adinafinanceapp.com/blog</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://adinafinanceapp.com/blog/how-to-avoid-credit-card-late-fees</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://adinafinanceapp.com/blog/what-is-peerbillpay-how-it-works</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://adinafinanceapp.com/blog/become-a-lender-earn-passive-income</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Authentication -->
  <url>
    <loc>https://adinafinanceapp.com/auth</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Legal Pages -->
  <url>
    <loc>https://adinafinanceapp.com/privacy-policy</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://adinafinanceapp.com/terms-of-use</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Compliance Policies -->
  <url>
    <loc>https://adinafinanceapp.com/compliance/bsa-aml-policy</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://adinafinanceapp.com/compliance/information-security-policy</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://adinafinanceapp.com/compliance/access-controls-policy</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://adinafinanceapp.com/compliance/data-retention-policy</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
