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<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
<!--  Public pages — indexable  -->
<url>
<loc>https://caripay.app/</loc>
</url>
<url>
<loc>https://caripay.app/login</loc>
</url>
<url>
<loc>https://caripay.app/signup</loc>
</url>
<url>
<loc>https://caripay.app/rates</loc>
</url>
<url>
<loc>https://caripay.app/help</loc>
</url>
<url>
<loc>https://caripay.app/affiliate</loc>
</url>
<url>
<loc>https://caripay.app/terms</loc>
</url>
<!--  Removed: /transfer, /convert, /withdraw, /dashboard — require login, should not be indexed  -->
</urlset>