<?xml version="1.0" encoding="UTF-8"?>
<urlset
  xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xmlns:image="http://www.google.com/schemas/sitemap-image/1.1"
  xsi:schemaLocation="
    http://www.sitemaps.org/schemas/sitemap/0.9
    http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">

  <!-- ── Core pages ──────────────────────────────────────────────────────── -->

  <url>
    <loc>https://creditvault.org/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <image:image>
      <image:loc>https://creditvault.org/og-image.png</image:loc>
      <image:title>Credit Vault — Secure Online Banking</image:title>
      <image:caption>Credit Vault banking dashboard showing account balance, recent transactions, and quick actions</image:caption>
    </image:image>
  </url>

  <url>
    <loc>https://creditvault.org/signup</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://creditvault.org/signin</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ── Product / feature pages ─────────────────────────────────────────── -->

  <url>
    <loc>https://creditvault.org/checking</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://creditvault.org/savings</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://creditvault.org/business</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://creditvault.org/transfers</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <url>
    <loc>https://creditvault.org/international-wire</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <url>
    <loc>https://creditvault.org/mobile-banking</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ── Trust & compliance pages ─────────────────────────────────────────── -->

  <url>
    <loc>https://creditvault.org/security</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://creditvault.org/fdic</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- ── About & support ───────────────────────────────────────────────────── -->

  <url>
    <loc>https://creditvault.org/about</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>

  <url>
    <loc>https://creditvault.org/support</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://creditvault.org/faq</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>

  <url>
    <loc>https://creditvault.org/contact</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.55</priority>
  </url>

  <!-- ── Legal ─────────────────────────────────────────────────────────────── -->

  <url>
    <loc>https://creditvault.org/privacy</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

  <url>
    <loc>https://creditvault.org/terms</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

  <url>
    <loc>https://creditvault.org/disclosures</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.35</priority>
  </url>

  <url>
    <loc>https://creditvault.org/cookie-policy</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>