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<!--
  KIVIA Finance — Sitemap principal
  https://kivia.finance/sitemap.xml
  Mise à jour : 2026-06-05

  Standards SEO international (Google, Bing, Yandex) :
  - hreflang sur les 6 langues supportées (fr, en, es, pt, ar, zh)
  - x-default pointant sur fr (langue source de référence)
  - lastmod ISO 8601 pour informer Google des changements
  - changefreq + priority indicatifs

  Les URLs dynamiques (fiches actions, articles, communiqués) sont dans
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  côté backend si besoin — non inclus ici par souci de cohérence statique.
-->
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  <!-- ════════════════════════════════════════════════════════════════
       RACINE
  ════════════════════════════════════════════════════════════════ -->
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    <lastmod>2026-06-05</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
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  <!-- ════════════════════════════════════════════════════════════════
       MARCHÉS BRVM — priorité maximale (cœur métier)
  ════════════════════════════════════════════════════════════════ -->
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    <lastmod>2026-06-05</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.95</priority>
    <xhtml:link rel="alternate" hreflang="fr" href="https://kivia.finance/marches" />
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    <lastmod>2026-06-05</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
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    <lastmod>2026-06-05</lastmod>
    <changefreq>daily</changefreq>
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    <lastmod>2026-06-05</lastmod>
    <changefreq>daily</changefreq>
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    <lastmod>2026-06-05</lastmod>
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    <lastmod>2026-06-05</lastmod>
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    <lastmod>2026-06-05</lastmod>
    <changefreq>daily</changefreq>
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    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <!-- ════════════════════════════════════════════════════════════════
       MACRO UEMOA
  ════════════════════════════════════════════════════════════════ -->
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    <lastmod>2026-06-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
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    <lastmod>2026-06-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
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  <url>
    <loc>https://kivia.finance/macro/bceao</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
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  <url>
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    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
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  <url>
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    <lastmod>2026-06-05</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
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  <url>
    <loc>https://kivia.finance/macro/petrole-or</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- ════════════════════════════════════════════════════════════════
       ACTUALITÉS
  ════════════════════════════════════════════════════════════════ -->
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    <loc>https://kivia.finance/actualites</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>hourly</changefreq>
    <priority>0.9</priority>
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    <xhtml:link rel="alternate" hreflang="zh" href="https://kivia.finance/actualites?lang=zh" />
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  <url>
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    <lastmod>2026-06-05</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://kivia.finance/actualites/edito</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
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  <url>
    <loc>https://kivia.finance/bulletin-quotidien</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- ════════════════════════════════════════════════════════════════
       APPRENDRE
  ════════════════════════════════════════════════════════════════ -->
  <url>
    <loc>https://kivia.finance/apprendre</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
    <xhtml:link rel="alternate" hreflang="fr" href="https://kivia.finance/apprendre" />
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    <lastmod>2026-06-05</lastmod>
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    <lastmod>2026-06-05</lastmod>
    <changefreq>weekly</changefreq>
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  <url>
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    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
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    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
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  <url>
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    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- ════════════════════════════════════════════════════════════════
       OUTILS
  ════════════════════════════════════════════════════════════════ -->
  <url>
    <loc>https://kivia.finance/outils</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
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    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <loc>https://kivia.finance/outils/convertisseur</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
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  <url>
    <loc>https://kivia.finance/outils/calendrier-fiscal</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>

  <!-- ════════════════════════════════════════════════════════════════
       INSTITUTIONNEL
  ════════════════════════════════════════════════════════════════ -->
  <url>
    <loc>https://kivia.finance/decouvrir</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://kivia.finance/a-propos</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://kivia.finance/fondateur</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
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  <url>
    <loc>https://kivia.finance/equipe</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://kivia.finance/partenariats</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://kivia.finance/tarifs</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://kivia.finance/contact</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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  <url>
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    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://kivia.finance/temoignages</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.65</priority>
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  <url>
    <loc>https://kivia.finance/social</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ════════════════════════════════════════════════════════════════
       LÉGAL — toujours indexé pour la conformité
  ════════════════════════════════════════════════════════════════ -->
  <url>
    <loc>https://kivia.finance/legal/mentions-legales</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>yearly</changefreq>
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    <lastmod>2026-06-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
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    <loc>https://kivia.finance/legal/cgu</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://kivia.finance/legal/cookies</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://kivia.finance/legal/risques</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
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