<?xml version="1.0" encoding="UTF-8"?>
<!--
  KIVIA Finance — Sitemap XML statique (racine).
  Les contenus dynamiques (fiches actions, actualités, communiqués) sont servis
  via /sitemap-dynamique.xml par la backend function `generateSitemap`.
  Ce fichier référence les pages structurelles stables ET les articles pédagogiques
  statiques de l'espace Apprendre.

  Priorité SEO :
    1.0 — Homepage (autorité racine)
    0.9 — Pages business critiques (Marchés, Actions, Actualités)
    0.8 — Sections importantes (Communiqués, Apprendre, Tarifs)
    0.7 — Sections secondaires
    0.5 — Contenus corporate
    0.3 — Pages légales
-->
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  <!-- ═══════════════════════════════════════════════════════════════════
       HOMEPAGE — Autorité racine
       ═══════════════════════════════════════════════════════════════════ -->
  <url>
    <loc>https://kivia.finance/</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="fr" href="https://kivia.finance/" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://kivia.finance/" />
    <image:image>
      <image:loc>https://kivia.finance/og-default.png</image:loc>
      <image:title>KIVIA Finance — Intelligence des marchés BRVM et UEMOA</image:title>
    </image:image>
  </url>

  <!-- ═══════════════════════════════════════════════════════════════════
       BRVM — Hub d'autorité + pages business critiques
       ═══════════════════════════════════════════════════════════════════ -->
  <url>
    <loc>https://kivia.finance/brvm</loc>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://kivia.finance/marches</loc>
    <changefreq>hourly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://kivia.finance/marches/actions</loc>
    <changefreq>hourly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://kivia.finance/marches/indices</loc>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://kivia.finance/marches/secteurs</loc>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  <url><loc>https://kivia.finance/marches/secteurs/services-financiers</loc><changefreq>daily</changefreq><priority>0.8</priority></url>
  <url><loc>https://kivia.finance/marches/secteurs/telecommunications</loc><changefreq>daily</changefreq><priority>0.8</priority></url>
  <url><loc>https://kivia.finance/marches/secteurs/consommation-de-base</loc><changefreq>daily</changefreq><priority>0.8</priority></url>
  <url><loc>https://kivia.finance/marches/secteurs/consommation-discretionnaire</loc><changefreq>daily</changefreq><priority>0.8</priority></url>
  <url><loc>https://kivia.finance/marches/secteurs/energie</loc><changefreq>daily</changefreq><priority>0.8</priority></url>
  <url><loc>https://kivia.finance/marches/secteurs/industriels</loc><changefreq>daily</changefreq><priority>0.8</priority></url>
  <url><loc>https://kivia.finance/marches/secteurs/services-publics</loc><changefreq>daily</changefreq><priority>0.8</priority></url>
  <url>
    <loc>https://kivia.finance/marches/calendrier</loc>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://kivia.finance/marches/obligations</loc>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://kivia.finance/marches/statistiques</loc>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://kivia.finance/marches/ipo</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://kivia.finance/marches/brokers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://kivia.finance/bulletin-quotidien</loc>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ═══════════════════════════════════════════════════════════════════
       MACRO UEMOA
       ═══════════════════════════════════════════════════════════════════ -->
  <url>
    <loc>https://kivia.finance/macro</loc>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  <url><loc>https://kivia.finance/macro/pays/bj</loc><changefreq>weekly</changefreq><priority>0.7</priority></url>
  <url><loc>https://kivia.finance/macro/pays/bf</loc><changefreq>weekly</changefreq><priority>0.7</priority></url>
  <url><loc>https://kivia.finance/macro/pays/ci</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://kivia.finance/macro/pays/gw</loc><changefreq>weekly</changefreq><priority>0.7</priority></url>
  <url><loc>https://kivia.finance/macro/pays/ml</loc><changefreq>weekly</changefreq><priority>0.7</priority></url>
  <url><loc>https://kivia.finance/macro/pays/ne</loc><changefreq>weekly</changefreq><priority>0.7</priority></url>
  <url><loc>https://kivia.finance/macro/pays/sn</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://kivia.finance/macro/pays/tg</loc><changefreq>weekly</changefreq><priority>0.7</priority></url>
  <url>
    <loc>https://kivia.finance/macro/indicateurs</loc>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://kivia.finance/macro/bceao</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://kivia.finance/macro/taux-bceao</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://kivia.finance/macro/parite-cfa</loc>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://kivia.finance/macro/commerce</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://kivia.finance/macro/matieres-premieres</loc>
    <changefreq>daily</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://kivia.finance/macro/petrole-or</loc>
    <changefreq>daily</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- ═══════════════════════════════════════════════════════════════════
       ACTUALITÉS BRVM
       ═══════════════════════════════════════════════════════════════════ -->
  <url>
    <loc>https://kivia.finance/actualites</loc>
    <changefreq>hourly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://kivia.finance/actualites/communiques</loc>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://kivia.finance/actualites/edito</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://kivia.finance/magazine/edition-001</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ═══════════════════════════════════════════════════════════════════
       APPRENDRE — Formation et éducation
       ═══════════════════════════════════════════════════════════════════ -->
  <url>
    <loc>https://kivia.finance/apprendre</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://kivia.finance/apprendre/cours</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://kivia.finance/apprendre/lecons</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://kivia.finance/apprendre/quiz</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://kivia.finance/apprendre/flashcards</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://kivia.finance/apprendre/glossaire</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://kivia.finance/apprendre/articles</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url><loc>https://kivia.finance/apprendre/articles/qu-est-ce-qu-une-action</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/comment-acheter-une-action-concretement</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/qu-est-ce-qu-une-sgi</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/qu-est-ce-qu-un-dividende</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/pourquoi-le-prix-d-une-action-change</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/le-risque-dans-les-actions</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/comprendre-le-per</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/comprendre-le-roe</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/comment-fonctionne-la-brvm</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/histoire-brvm</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/indices-brvm</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/47-societes-cotees</loc><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/secteur-bancaire-brvm</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/secteur-telecoms-brvm</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/secteur-agro-industrie</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
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  <url><loc>https://kivia.finance/apprendre/articles/fiscalite-cote-divoire</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/fiscalite-senegal</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/fiscalite-autres-uemoa</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/acheter-actions-brvm-ci</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/acheter-actions-brvm-senegal</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/acheter-actions-brvm-diaspora</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/obligations-souveraines-uemoa</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/ipo-brvm-historique</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/dividendes-brvm-historique</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/liquidite-brvm</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://kivia.finance/apprendre/articles/comparaison-brvm-autres-bourses</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url>
    <loc>https://kivia.finance/apprendre/analyses</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://kivia.finance/apprendre/debuter-finance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://kivia.finance/apprendre/investir-brvm</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://kivia.finance/apprendre/analyser-action</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://kivia.finance/apprendre/score-kivia-methodologie</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <url>
    <loc>https://kivia.finance/apprendre/actualites</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://kivia.finance/apprendre/entreprises</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ═══════════════════════════════════════════════════════════════════
       OUTILS
       ═══════════════════════════════════════════════════════════════════ -->
  <url>
    <loc>https://kivia.finance/outils</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://kivia.finance/outils/convertisseur</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://kivia.finance/outils/calculateur-dividendes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://kivia.finance/outils/calendrier-fiscal</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://kivia.finance/decouvrir</loc>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ═══════════════════════════════════════════════════════════════════
       INSTITUTIONNEL / CORPORATE
       ═══════════════════════════════════════════════════════════════════ -->
  <url>
    <loc>https://kivia.finance/a-propos</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://kivia.finance/tarifs</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://kivia.finance/equipe</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://kivia.finance/fondateur</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://kivia.finance/partenariats</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://kivia.finance/contact</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://kivia.finance/aide</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://kivia.finance/temoignages</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- ═══════════════════════════════════════════════════════════════════
       LÉGAL — priorité basse mais nécessaire pour E-E-A-T
       ═══════════════════════════════════════════════════════════════════ -->
  <url>
    <loc>https://kivia.finance/legal/mentions-legales</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://kivia.finance/legal/confidentialite</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://kivia.finance/legal/cgu</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://kivia.finance/legal/cookies</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://kivia.finance/legal/risques</loc>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://kivia.finance/apprendre/tiktok</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://kivia.finance/apprendre/simulateur</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://kivia.finance/apprendre/prof-ia</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://kivia.finance/social</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://kivia.finance/communaute/classement</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
</urlset>
