<?xml version="1.0" encoding="UTF-8"?>
<!--
  KIVIA Finance — Sitemap XML statique (racine).
  Pour les contenus dynamiques (47 fiches actions BRVM, articles, communiqués),
  voir /sitemap-actions.xml, /sitemap-actualites.xml et /sitemap-communiques.xml
  qui sont générés à la volée par la backend function `generateSitemap`.
  Ce fichier référence uniquement les pages structurelles stables.

  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
-->
<urlset
  xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
  xmlns:xhtml="http://www.w3.org/1999/xhtml"
  xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">

  <!-- ═══════════════════════════════════════════════════════════════════
       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://media.base44.com/images/public/6987416e28bfe4d51d5e4f1c/4916b5667_generated_image.png</image:loc>
      <image:title>KIVIA Finance — Intelligence des marchés BRVM et UEMOA</image:title>
    </image:image>
  </url>

  <!-- ═══════════════════════════════════════════════════════════════════
       MARCHÉS BRVM — Pages business critiques
       ═══════════════════════════════════════════════════════════════════ -->
  <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/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/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>

  <!-- ═══════════════════════════════════════════════════════════════════
       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/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/qcm</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</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>

</urlset>
