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  <!-- Core pages -->
  <url>
    <loc>https://fortiqo.io/</loc>
    <lastmod>2026-04-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <url>
    <loc>https://fortiqo.io/product</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://fortiqo.io/pricing</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://fortiqo.io/about</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fortiqo.io/fortiqo-network-intelligence</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://fortiqo.io/advisors</loc>
    <lastmod>2026-04-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- Intelligence hub -->
  <url>
    <loc>https://fortiqo.io/intelligence</loc>
    <lastmod>2026-04-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <!-- Intelligence articles -->
  <url>
    <loc>https://fortiqo.io/intelligence/verification-before-execution</loc>
    <lastmod>2026-01-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fortiqo.io/intelligence/decision-states-clear-review-hold</loc>
    <lastmod>2026-01-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fortiqo.io/intelligence/execution-vs-approval</loc>
    <lastmod>2026-01-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fortiqo.io/intelligence/why-detection-fails-at-scale</loc>
    <lastmod>2026-01-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fortiqo.io/intelligence/the-approval-bottleneck</loc>
    <lastmod>2026-01-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fortiqo.io/intelligence/control-vs-intelligence</loc>
    <lastmod>2026-01-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fortiqo.io/intelligence/why-spend-requires-a-firewall</loc>
    <lastmod>2026-01-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fortiqo.io/intelligence/invoice-manipulation-vectors</loc>
    <lastmod>2026-01-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fortiqo.io/intelligence/vendor-drift-identity-decay</loc>
    <lastmod>2026-01-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fortiqo.io/intelligence/false-positives-vs-false-authority</loc>
    <lastmod>2026-01-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fortiqo.io/intelligence/override-pressure-decision-contamination</loc>
    <lastmod>2026-01-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fortiqo.io/intelligence/control-surface-erosion</loc>
    <lastmod>2026-01-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fortiqo.io/intelligence/override-frequency-risk-indicator</loc>
    <lastmod>2026-01-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fortiqo.io/intelligence/decision-volatility</loc>
    <lastmod>2026-01-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fortiqo.io/intelligence/approval-velocity-spikes</loc>
    <lastmod>2026-01-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fortiqo.io/intelligence/verification-bypass-patterns</loc>
    <lastmod>2026-01-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fortiqo.io/intelligence/when-routine-becomes-dangerous</loc>
    <lastmod>2026-01-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- Resources hub -->
  <url>
    <loc>https://fortiqo.io/resources</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- Resources: Security & Trust -->
  <url>
    <loc>https://fortiqo.io/resources/security-trust/security-posture</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://fortiqo.io/resources/security-trust/data-handling-retention</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://fortiqo.io/resources/security-trust/isolation-access-control</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://fortiqo.io/resources/security-trust/audit-readiness</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <!-- Resources: Compliance & Governance -->
  <url>
    <loc>https://fortiqo.io/resources/compliance-governance/authority-model</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://fortiqo.io/resources/compliance-governance/decision-integrity</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://fortiqo.io/resources/compliance-governance/evidence-traceability</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://fortiqo.io/resources/compliance-governance/operational-boundaries</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <!-- Resources: Product References -->
  <url>
    <loc>https://fortiqo.io/resources/product-references/spend-firewall</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://fortiqo.io/resources/product-references/synthiq</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://fortiqo.io/resources/product-references/ssi</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <!-- Resources: Partner & Commercial -->
  <url>
    <loc>https://fortiqo.io/resources/partner-commercial/partner-eligibility</loc>
    <lastmod>2026-04-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://fortiqo.io/resources/partner-commercial/tier-earnings-rules</loc>
    <lastmod>2026-04-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://fortiqo.io/resources/partner-commercial/payout-threshold-schedule</loc>
    <lastmod>2026-04-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://fortiqo.io/resources/partner-commercial/prohibited-arrangements</loc>
    <lastmod>2026-04-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Support & Info -->
  <url>
    <loc>https://fortiqo.io/faq</loc>
    <lastmod>2026-04-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://fortiqo.io/what-fortiqo-does-not-do</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Legal -->
  <url>
    <loc>https://fortiqo.io/security</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://fortiqo.io/privacy</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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  <url>
    <loc>https://fortiqo.io/terms</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://fortiqo.io/dataprocessing</loc>
    <lastmod>2026-03-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://fortiqo.io/referral-program-terms</loc>
    <lastmod>2026-04-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
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