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  <!-- 1. ValPrism Main Homepage: ETF Overlap Calculator & Portfolio Look-Through Tool -->
  <url>
    <loc>https://valprism.io/</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.00</priority>
  </url>

  <!-- 2. Sanchay from Valprism: India Fixed Deposit Rates (2026), DICGC Insured FDs & Small Finance Banks -->
  <url>
    <loc>https://sanchay.valprism.io/</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.98</priority>
  </url>
  <url>
    <loc>https://valprism.io/?view=sanchay</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.97</priority>
  </url>
  <url>
    <loc>https://valprism.io/?app=sanchay</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.97</priority>
  </url>

  <!-- 3. Weekly News Digest & Reports (ValPrism Weekly Report & Sanchay Weekly Report) -->
  <url>
    <loc>https://valprism.io/?view=dispatches</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://valprism.io/?view=newsletter</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://sanchay.valprism.io/?view=dispatches</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>

  <!-- 4. How Sanchay from Valprism Works (Unbiased Fixed Income & Safe Yield Intelligence) -->
  <url>
    <loc>https://sanchay.valprism.io/?view=how_it_works</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.94</priority>
  </url>
  <url>
    <loc>https://valprism.io/?view=how_it_works&amp;market=IN</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.94</priority>
  </url>

  <!-- 5. How ValPrism Works: Plain-English Look-Through & On-Device Privacy Guide -->
  <url>
    <loc>https://valprism.io/?view=how_it_works</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.93</priority>
  </url>

  <!-- 6. ETF Overlap Calculator & Concentration Risk Index -->
  <url>
    <loc>https://valprism.io/?view=overlap_index</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.92</priority>
  </url>

  <!-- 7. Regional Market Portals -->
  <url>
    <loc>https://valprism.io/?market=IN</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.91</priority>
  </url>
  <url>
    <loc>https://valprism.io/?market=US</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.91</priority>
  </url>

  <!-- 8. Advisor Prospect Pipeline & Client Audit Workstation -->
  <url>
    <loc>https://valprism.io/?view=advisor_pipeline</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.90</priority>
  </url>

  <!-- 9. Quantitative Forensics & Downside Beta Methodology -->
  <url>
    <loc>https://valprism.io/?view=methodology</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.88</priority>
  </url>

  <!-- 10. Financial Glossary & FAQ Knowledge Hub -->
  <url>
    <loc>https://valprism.io/?view=glossary</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://valprism.io/?view=faq</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- 11. Regulatory Systems & Investor Protection Guide (SIPC/FINRA & DICGC/SEBI) -->
  <url>
    <loc>https://valprism.io/?view=regulatory</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.82</priority>
  </url>

  <!-- 12. Interactive Demo Sandbox -->
  <url>
    <loc>https://valprism.io/?view=demo</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>

  <!-- 13. Transparent Pricing & Licensing -->
  <url>
    <loc>https://valprism.io/?view=pricing</loc>
    <lastmod>2026-09-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>

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