<?xml version="1.0" encoding="UTF-8"?>
<!--
  Sitemap das paginas estaticas (landings e paginas legais). Filho de /sitemap.xml,
  que e um indice. As URLs do blog NAO entram aqui: elas vem dos sitemaps que o
  Hugo gera em /blog/IDIOMA/sitemap.xml, referenciados pelo mesmo indice.

  A lista de URLs e mantida A MAO. A data de modificacao NAO e: quem manda nela e
  scripts/update-sitemap-lastmod.js, que compara o hash do HTML de origem com o
  hash gravado em data/sitemap-lastmod.json e so avanca a data quando o conteudo
  muda de verdade. Editar a data aqui a mao nao adianta: o proximo build restaura
  o valor do arquivo de estado.

  Ao adicionar uma URL nova, escreva a data do dia em que a pagina passou a
  existir. O script adota esse valor como base na primeira vez que ve a URL.

  Nota para quem for mexer nos comentarios deste arquivo: nao escreva marcacao de
  tag aqui dentro. Este XML e lido por regex de bloco, no script acima e no
  notify-google-indexing.js, e um par de tags escrito num comentario passa a ser
  confundido com um registro de verdade.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">
  <!--
    A raiz (https://monely.app/) NAO entra aqui de proposito (IDX-01).
    Ela serve o mesmo texto de /en/, e enquanto as duas constavam do sitemap, cada
    uma se declarando canonica de si mesma, o Google via duas paginas identicas
    disputando a mesma consulta. O destino unico e /en/: a raiz continua respondendo
    200 com a landing inteira, mas com canonical e og:url apontando para /en/
    (scripts/build-root-index.js) e com js/lang-detect.js mandando todo visitante
    para /<idioma>/. URL nao canonica nao pertence a sitemap.
  -->

  <!-- English Pages -->
  <url>
    <loc>https://monely.app/en/</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/"/>
  </url>
  <url>
    <loc>https://monely.app/en/pricing.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/pricing.html"/>
  </url>
  <url>
    <loc>https://monely.app/en/referral.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/referral.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/referral.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/referral.html"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/referral.html"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/referral.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/referral.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/referral.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/referral.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/referral.html"/>
  </url>
  <url>
    <loc>https://monely.app/en/import.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/import.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/import.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/import.html"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/import.html"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/import.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/import.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/import.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/import.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/import.html"/>
  </url>
  <url>
    <loc>https://monely.app/en/privacy.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/privacy.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/privacy.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/privacy.html"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/privacy.html"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/privacy.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/privacy.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/privacy.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/privacy.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/privacy.html"/>
  </url>
  <url>
    <loc>https://monely.app/en/terms.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/terms.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/terms.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/terms.html"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/terms.html"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/terms.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/terms.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/terms.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/terms.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/terms.html"/>
  </url>
  <url>
    <loc>https://monely.app/en/accessibility.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/accessibility.html"/>
  </url>
  <url>
    <loc>https://monely.app/en/about.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/about.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/about.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/about.html"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/about.html"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/about.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/about.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/about.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/about.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/about.html"/>
  </url>
  <url>
    <loc>https://monely.app/en/contact.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/contact.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/contact.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/contact.html"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/contact.html"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/contact.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/contact.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/contact.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/contact.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/contact.html"/>
  </url>
  <url>
    <loc>https://monely.app/en/press.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/press.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/imprensa.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/press.html"/>
  </url>
  <url>
    <loc>https://monely.app/en/security.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/security.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/security.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/security.html"/>
  </url>


  <!-- Spanish Pages -->
  <url>
    <loc>https://monely.app/es/</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/"/>
  </url>
  <url>
    <loc>https://monely.app/es/pricing.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/pricing.html"/>
  </url>
  <url>
    <loc>https://monely.app/es/referral.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/referral.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/referral.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/referral.html"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/referral.html"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/referral.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/referral.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/referral.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/referral.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/referral.html"/>
  </url>
  <url>
    <loc>https://monely.app/es/import.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/import.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/import.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/import.html"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/import.html"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/import.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/import.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/import.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/import.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/import.html"/>
  </url>
  <url>
    <loc>https://monely.app/es/privacy.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/privacy.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/privacy.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/privacy.html"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/privacy.html"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/privacy.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/privacy.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/privacy.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/privacy.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/privacy.html"/>
  </url>
  <url>
    <loc>https://monely.app/es/terms.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/terms.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/terms.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/terms.html"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/terms.html"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/terms.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/terms.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/terms.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/terms.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/terms.html"/>
  </url>
  <url>
    <loc>https://monely.app/es/accessibility.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/accessibility.html"/>
  </url>
  <url>
    <loc>https://monely.app/es/about.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/about.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/about.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/about.html"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/about.html"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/about.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/about.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/about.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/about.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/about.html"/>
  </url>
  <url>
    <loc>https://monely.app/es/contact.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/contact.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/contact.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/contact.html"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/contact.html"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/contact.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/contact.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/contact.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/contact.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/contact.html"/>
  </url>


  <!-- Portuguese Pages -->
  <url>
    <loc>https://monely.app/pt/</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/"/>
  </url>
  <url>
    <loc>https://monely.app/pt/livro.html</loc>
    <lastmod>2026-07-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://monely.app/pt/pricing.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/pricing.html"/>
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  <!-- Hindi Pages -->
  <url>
    <loc>https://monely.app/hi/</loc>
    <lastmod>2026-08-23</lastmod>
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    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/terms.html"/>
  </url>
  <url>
    <loc>https://monely.app/hi/accessibility.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/accessibility.html"/>
  </url>
  <url>
    <loc>https://monely.app/hi/about.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/about.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/about.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/about.html"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/about.html"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/about.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/about.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/about.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/about.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/about.html"/>
  </url>
  <url>
    <loc>https://monely.app/hi/contact.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/contact.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/contact.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/contact.html"/>
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    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/contact.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/contact.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/contact.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/contact.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/contact.html"/>
  </url>


  <!-- Indonesian Pages -->
  <url>
    <loc>https://monely.app/id/</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/"/>
  </url>
  <url>
    <loc>https://monely.app/id/pricing.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/pricing.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/pricing.html"/>
  </url>
  <url>
    <loc>https://monely.app/id/referral.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
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    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/referral.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/referral.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/referral.html"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://monely.app/fr/referral.html"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/referral.html"/>
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    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/referral.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/referral.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/referral.html"/>
  </url>
  <url>
    <loc>https://monely.app/id/import.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
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    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/import.html"/>
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    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/import.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/import.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/import.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/import.html"/>
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  <url>
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    <lastmod>2026-08-23</lastmod>
    <changefreq>yearly</changefreq>
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    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/privacy.html"/>
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    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/privacy.html"/>
  </url>
  <url>
    <loc>https://monely.app/id/terms.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/terms.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/terms.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/terms.html"/>
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    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/terms.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/terms.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/terms.html"/>
  </url>
  <url>
    <loc>https://monely.app/id/accessibility.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>yearly</changefreq>
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    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/accessibility.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/accessibility.html"/>
  </url>
  <url>
    <loc>https://monely.app/id/about.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/about.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/about.html"/>
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    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/about.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/about.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/about.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/about.html"/>
  </url>
  <url>
    <loc>https://monely.app/id/contact.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/contact.html"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://monely.app/es/contact.html"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://monely.app/pt/contact.html"/>
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    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/contact.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/contact.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/contact.html"/>
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    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/contact.html"/>
  </url>


  <!--
    Pagina de recursos (features.html): a pagina canonica sobre o que o Monely faz.
    E o destino que llms.txt e llms-full.txt apontam para "o que o app faz", pelas
    chaves llmsLinkFeatures e llmsFeaturesCanonicalLine de hugo/i18n/*.toml.
  -->
  <url>
    <loc>https://monely.app/en/features.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://monely.app/en/features.html"/>
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    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/features.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/features.html"/>
    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/features.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/features.html"/>
  </url>
  <url>
    <loc>https://monely.app/es/features.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/features.html"/>
  </url>
  <url>
    <loc>https://monely.app/pt/features.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
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    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/features.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/features.html"/>
  </url>
  <url>
    <loc>https://monely.app/fr/features.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/features.html"/>
  </url>
  <url>
    <loc>https://monely.app/de/features.html</loc>
    <lastmod>2026-08-23</lastmod>
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    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/features.html"/>
  </url>
  <url>
    <loc>https://monely.app/tr/features.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
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    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/features.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/features.html"/>
  </url>
  <url>
    <loc>https://monely.app/hi/features.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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    <xhtml:link rel="alternate" hreflang="id" href="https://monely.app/id/features.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/features.html"/>
  </url>
  <url>
    <loc>https://monely.app/id/features.html</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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    <xhtml:link rel="alternate" hreflang="de" href="https://monely.app/de/features.html"/>
    <xhtml:link rel="alternate" hreflang="tr" href="https://monely.app/tr/features.html"/>
    <xhtml:link rel="alternate" hreflang="hi" href="https://monely.app/hi/features.html"/>
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    <xhtml:link rel="alternate" hreflang="x-default" href="https://monely.app/en/features.html"/>
  </url>


  <!--
    Blog: nao listado aqui. As oito home pages de idioma e todos os artigos vem
    de /blog/IDIOMA/sitemap.xml, gerado pelo Hugo, com data real por pagina.
    O indice /sitemap.xml aponta para /blog/sitemap.xml, que lista os oito.
    Antes deste arquivo existir, as oito URLs estavam aqui com lastmod fixo em
    2026-03-28, congelado desde marco.
  -->
</urlset>
