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  <!-- PÁGINAS INSTITUCIONAIS -->
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  <!-- HUBS PRINCIPAIS -->
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  <!-- CALCULADORAS -->
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    <lastmod>2026-05-08</lastmod>
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    <priority>0.9</priority>
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  <url>
    <loc>https://poupai.io/financiamento-imobiliario</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://poupai.io/financiamento-geral</loc>
    <lastmod>2026-05-08</lastmod>
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  <url>
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    <lastmod>2026-05-08</lastmod>
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  <!-- BLOG POSTS PILAR -->
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    <lastmod>2026-05-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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    <loc>https://poupai.io/blog/como-sair-das-dividas</loc>
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  <url>
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    <lastmod>2026-05-08</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- CONTEÚDO SAZONAL -->
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    <loc>https://poupai.io/blog/selic-2026</loc>
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    <priority>0.75</priority>
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  <url>
    <loc>https://poupai.io/blog/restituicao-ir-2026</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>weekly</changefreq>
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  <url>
    <loc>https://poupai.io/blog/decimo-terceiro-2026</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>weekly</changefreq>
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  <!-- INVESTIMENTOS -->
  <url>
    <loc>https://poupai.io/blog/fundos-imobiliarios</loc>
    <lastmod>2026-05-08</lastmod>
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