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  <!-- ==================================================================== -->
  <!-- 1. ValPrism Main App: ETF Overlap Calculator & Look-Through Tool     -->
  <!-- ==================================================================== -->
  <url>
    <loc>https://valprism.io/</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.00</priority>
  </url>
  <url>
    <loc>https://valprism.io/?view=overlap_index</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://valprism.io/?view=how_it_works</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.93</priority>
  </url>
  <url>
    <loc>https://valprism.io/?view=advisor_pipeline</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.90</priority>
  </url>
  <url>
    <loc>https://valprism.io/?view=methodology</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.88</priority>
  </url>
  <url>
    <loc>https://valprism.io/?view=regulatory</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://valprism.io/?view=glossary</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://valprism.io/?view=faq</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://valprism.io/?view=pricing</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://valprism.io/?view=dispatches</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.92</priority>
  </url>

  <!-- ==================================================================== -->
  <!-- 2. Sanchay Sovereign Capital Defense & Insured Yield Portals (12 Corridors) -->
  <!-- ==================================================================== -->
  <url>
    <loc>https://sanchay.valprism.io/</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.99</priority>
  </url>
  <url>
    <loc>https://valprism.io/?view=sanchay</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.98</priority>
  </url>
  <url>
    <loc>https://valprism.io/?app=sanchay</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.98</priority>
  </url>

  <!-- United States (US): FDIC $250k & US TreasuryDirect -->
  <url>
    <loc>https://valprism.io/?view=sanchay&amp;country=US</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.96</priority>
  </url>
  <url>
    <loc>https://sanchay.valprism.io/?country=US</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.96</priority>
  </url>
  <url>
    <loc>https://valprism.io/?market=US</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.92</priority>
  </url>

  <!-- India (IN): DICGC ₹5 Lakh & RBI Retail Direct -->
  <url>
    <loc>https://valprism.io/?view=sanchay&amp;country=IN</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.96</priority>
  </url>
  <url>
    <loc>https://sanchay.valprism.io/?country=IN</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.96</priority>
  </url>
  <url>
    <loc>https://valprism.io/?market=IN</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.92</priority>
  </url>

  <!-- United Kingdom (UK): FSCS £85k & NS&I Gilts -->
  <url>
    <loc>https://valprism.io/?view=sanchay&amp;country=UK</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://sanchay.valprism.io/?country=UK</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://valprism.io/?market=UK</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.91</priority>
  </url>

  <!-- Canada (CA): CDIC $100k & Bank of Canada T-Bills -->
  <url>
    <loc>https://valprism.io/?view=sanchay&amp;country=CA</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://sanchay.valprism.io/?country=CA</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://valprism.io/?market=CA</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.91</priority>
  </url>

  <!-- Australia (AU): APRA FCS A$250k & AOFM Commonwealth Bonds -->
  <url>
    <loc>https://valprism.io/?view=sanchay&amp;country=AU</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.94</priority>
  </url>
  <url>
    <loc>https://sanchay.valprism.io/?country=AU</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.94</priority>
  </url>
  <url>
    <loc>https://valprism.io/?market=AU</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.90</priority>
  </url>

  <!-- Singapore (SG): SDIC S$100k & MAS Singapore Savings Bonds -->
  <url>
    <loc>https://valprism.io/?view=sanchay&amp;country=SG</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.94</priority>
  </url>
  <url>
    <loc>https://sanchay.valprism.io/?country=SG</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.94</priority>
  </url>
  <url>
    <loc>https://valprism.io/?market=SG</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.90</priority>
  </url>

  <!-- Japan (JP): DICJ ¥10,000,000 & MOF Individual JGBs -->
  <url>
    <loc>https://valprism.io/?view=sanchay&amp;country=JP</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.94</priority>
  </url>
  <url>
    <loc>https://sanchay.valprism.io/?country=JP</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.94</priority>
  </url>
  <url>
    <loc>https://valprism.io/?market=JP</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.90</priority>
  </url>

  <!-- South Korea (KR): KDIC ₩100,000,000 & MOEF Individual Bonds -->
  <url>
    <loc>https://valprism.io/?view=sanchay&amp;country=KR</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.94</priority>
  </url>
  <url>
    <loc>https://sanchay.valprism.io/?country=KR</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.94</priority>
  </url>
  <url>
    <loc>https://valprism.io/?market=KR</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.90</priority>
  </url>

  <!-- Italy (IT): FITD €100k & MEF BTP Valore -->
  <url>
    <loc>https://valprism.io/?view=sanchay&amp;country=IT</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.94</priority>
  </url>
  <url>
    <loc>https://sanchay.valprism.io/?country=IT</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.94</priority>
  </url>
  <url>
    <loc>https://valprism.io/?market=IT</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.90</priority>
  </url>

  <!-- Mexico (MX): IPAB 400k UDIs & Banxico Cetesdirecto -->
  <url>
    <loc>https://valprism.io/?view=sanchay&amp;country=MX</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.94</priority>
  </url>
  <url>
    <loc>https://sanchay.valprism.io/?country=MX</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.94</priority>
  </url>
  <url>
    <loc>https://valprism.io/?market=MX</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.90</priority>
  </url>

  <!-- Brazil (BR): FGC R$250k & Tesouro Direto -->
  <url>
    <loc>https://valprism.io/?view=sanchay&amp;country=BR</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.94</priority>
  </url>
  <url>
    <loc>https://sanchay.valprism.io/?country=BR</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.94</priority>
  </url>
  <url>
    <loc>https://valprism.io/?market=BR</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.90</priority>
  </url>

  <!-- South Africa (ZA): CODI R100k & RSA Retail Bonds -->
  <url>
    <loc>https://valprism.io/?view=sanchay&amp;country=ZA</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.94</priority>
  </url>
  <url>
    <loc>https://sanchay.valprism.io/?country=ZA</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.94</priority>
  </url>
  <url>
    <loc>https://valprism.io/?market=ZA</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.90</priority>
  </url>

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