<?xml version="1.0" encoding="UTF-8"?>
<!--
  Federating sitemap index (banki.ru plan P1.2).

  Declared as the single Sitemap: entry in robots.txt so crawlers discover
  ALL sub-sitemaps from one place — including the runtime Express-served ones
  (blog/news/microloans) that are NOT static files in dist/ and therefore
  could not be declared directly in robots.txt (the seo:robots-validity-check
  gate requires every robots Sitemap: to resolve to a dist/ file; a sitemap
  INDEX may reference runtime URLs freely — the gate does not recurse).

  Static, build-time sub-sitemaps (exist as files in dist/):
    - /sitemap.xml          (scripts/generate-sitemap-dynamic.js)
    - /sitemap-images.xml   (scripts/generate-sitemap-images.mjs)
  Runtime, DB-backed sub-sitemaps (Express routes, cached 1h):
    - /sitemap-blog.xml         (api/routes/blog-sitemap.js)
    - /sitemap-news.xml         (api/routes/news-sitemap.js)
    - /sitemap-microloans.xml   (api/routes/microloan-sitemap.js)

  lastmod intentionally omitted: it is optional on <sitemap> entries and a
  hardcoded value on a static file would go stale and mislead crawlers. The
  sub-sitemaps carry their own per-URL <lastmod>.
-->
<sitemapindex xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <sitemap>
    <loc>https://comparamigo.com/sitemap.xml</loc>
  </sitemap>
  <sitemap>
    <loc>https://comparamigo.com/sitemap-images.xml</loc>
  </sitemap>
  <sitemap>
    <loc>https://comparamigo.com/sitemap-blog.xml</loc>
  </sitemap>
  <sitemap>
    <loc>https://comparamigo.com/sitemap-news.xml</loc>
  </sitemap>
  <sitemap>
    <loc>https://comparamigo.com/sitemap-microloans.xml</loc>
  </sitemap>
</sitemapindex>
