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  <!-- ==================================================================== -->
  <!-- Sanchay Global Sovereign Capital Defense & Insured Yield Portals     -->
  <!-- Canonical Host: https://sanchay.valprism.io                          -->
  <!-- ==================================================================== -->
  <url>
    <loc>https://sanchay.valprism.io/</loc>
    <lastmod>2026-10-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.00</priority>
  </url>

  <!-- United States (US): FDIC $250k & US TreasuryDirect -->
  <url>
    <loc>https://sanchay.valprism.io/?country=US</loc>
    <lastmod>2026-10-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.96</priority>
  </url>

  <!-- India (IN): DICGC ₹5 Lakh & RBI Retail Direct -->
  <url>
    <loc>https://sanchay.valprism.io/?country=IN</loc>
    <lastmod>2026-10-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.96</priority>
  </url>

  <!-- United Kingdom (UK): FSCS £85k & NS&I Gilts -->
  <url>
    <loc>https://sanchay.valprism.io/?country=UK</loc>
    <lastmod>2026-10-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.95</priority>
  </url>

  <!-- Canada (CA): CDIC $100k & Bank of Canada T-Bills -->
  <url>
    <loc>https://sanchay.valprism.io/?country=CA</loc>
    <lastmod>2026-10-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.95</priority>
  </url>

  <!-- Australia (AU): APRA FCS A$250k & AOFM Commonwealth Bonds -->
  <url>
    <loc>https://sanchay.valprism.io/?country=AU</loc>
    <lastmod>2026-10-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.94</priority>
  </url>

  <!-- Singapore (SG): SDIC S$100k & MAS Singapore Savings Bonds -->
  <url>
    <loc>https://sanchay.valprism.io/?country=SG</loc>
    <lastmod>2026-10-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.94</priority>
  </url>

  <!-- Japan (JP): DICJ ¥10,000,000 & MOF Individual JGBs -->
  <url>
    <loc>https://sanchay.valprism.io/?country=JP</loc>
    <lastmod>2026-10-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.94</priority>
  </url>

  <!-- South Korea (KR): KDIC ₩100,000,000 & MOEF Individual Bonds -->
  <url>
    <loc>https://sanchay.valprism.io/?country=KR</loc>
    <lastmod>2026-10-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.94</priority>
  </url>

  <!-- Italy (IT): FITD €100.000 & MEF BTP Valore / CDP -->
  <url>
    <loc>https://sanchay.valprism.io/?country=IT</loc>
    <lastmod>2026-10-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.93</priority>
  </url>

  <!-- Mexico (MX): IPAB ~400,000 UDIs & SHCP / Banxico Cetesdirecto -->
  <url>
    <loc>https://sanchay.valprism.io/?country=MX</loc>
    <lastmod>2026-10-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.93</priority>
  </url>

  <!-- Brazil (BR): FGC R$ 250.000 & Tesouro Direto Selic -->
  <url>
    <loc>https://sanchay.valprism.io/?country=BR</loc>
    <lastmod>2026-10-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.93</priority>
  </url>

  <!-- South Africa (ZA): CODI R100,000 & RSA Retail Savings Bonds -->
  <url>
    <loc>https://sanchay.valprism.io/?country=ZA</loc>
    <lastmod>2026-10-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.92</priority>
  </url>

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