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    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/glossary/non-registered-account/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/glossaire/compte-non-enregistre/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/glossary/non-registered-account/"/>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://mozaicfinance.com/fr/glossaire/compte-non-enregistre/</loc>
    <lastmod>2026-07-12</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/glossary/non-registered-account/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/glossaire/compte-non-enregistre/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/glossary/non-registered-account/"/>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://mozaicfinance.com/glossary/margin-account/</loc>
    <lastmod>2026-07-12</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/glossary/margin-account/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/glossaire/compte-sur-marge/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/glossary/margin-account/"/>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://mozaicfinance.com/fr/glossaire/compte-sur-marge/</loc>
    <lastmod>2026-07-12</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/glossary/margin-account/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/glossaire/compte-sur-marge/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/glossary/margin-account/"/>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- GLOSSARY:END -->

  <!-- Commercial product landing pages (SEO batch 2: #4508). EN-only at launch,
       so each <url> declares only en + x-default (both the EN URL); the fr
       alternate is added when the locale page ships. 1:1:1 with nginx + disk
       (check_static_routing_parity.py). -->

  <url>
    <loc>https://mozaicfinance.com/rrsp-tracker/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/rrsp-tracker/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/rrsp-tracker/"/>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://mozaicfinance.com/fhsa-tracker/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/fhsa-tracker/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/fhsa-tracker/"/>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://mozaicfinance.com/multi-currency-net-worth/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/multi-currency-net-worth/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/multi-currency-net-worth/"/>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://mozaicfinance.com/cash-flow-tracker/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/cash-flow-tracker/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/cash-flow-tracker/"/>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Pricing — 4 locales. Static HTML served by nginx (#3172). Each
       <url> declares ALL alternates so Google understands the locale graph
       across the pricing cluster, mirroring the landing pattern above. -->

  <url>
    <loc>https://mozaicfinance.com/pricing</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/pricing"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/pricing/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/pricing/"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/pricing/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/pricing"/>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://mozaicfinance.com/fr/pricing/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/pricing"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/pricing/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/pricing/"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/pricing/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/pricing"/>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://mozaicfinance.com/es/pricing/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/pricing"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/pricing/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/pricing/"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/pricing/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/pricing"/>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://mozaicfinance.com/zh/pricing/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/pricing"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/pricing/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/pricing/"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/pricing/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/pricing"/>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Static security page — 4 locales (#3173). Same hreflang cluster
       pattern as the landing so Google understands the locale graph.
       Locale variants are slash-less to match StaticLegalRedirect's URL
       generator (see frontend/lib/features/marketing/presentation/pages/
       static_legal_redirect.dart). -->
  <url>
    <loc>https://mozaicfinance.com/security</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/security"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/security"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/security"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/security"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/security"/>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/fr/security</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/security"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/security"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/security"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/security"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/security"/>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/es/security</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/security"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/security"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/security"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/security"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/security"/>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/zh/security</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/security"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/security"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/security"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/security"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/security"/>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Static /stack page — 4 locales (#4149). "Tool stack" transparency page.
       Slash-less locale variants, same hreflang cluster pattern as /security. -->
  <url>
    <loc>https://mozaicfinance.com/stack</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/stack"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/stack"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/stack"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/stack"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/stack"/>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/fr/stack</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/stack"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/stack"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/stack"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/stack"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/stack"/>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/es/stack</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/stack"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/stack"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/stack"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/stack"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/stack"/>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/zh/stack</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/stack"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/stack"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/stack"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/stack"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/stack"/>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Static /about page — 4 locales. Same hreflang cluster pattern as
       /security and /terms above. AboutPage JSON-LD lives in each file so
       Google can attribute the company to a specific founder + location. -->
  <url>
    <loc>https://mozaicfinance.com/about</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/about"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/about"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/about"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/about"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/about"/>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/fr/about</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/about"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/about"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/about"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/about"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/about"/>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/es/about</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/about"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/about"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/about"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/about"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/about"/>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/zh/about</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/about"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/about"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/about"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/about"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/about"/>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- Human-readable /sitemap (distinct from this XML feed). EN + FR ship;
       es/zh variants can follow later (declaring alternates that don't exist
       yet is a soft SEO penalty in Search Console). -->
  <url>
    <loc>https://mozaicfinance.com/sitemap</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/sitemap"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/sitemap"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/sitemap"/>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/fr/sitemap</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/sitemap"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/sitemap"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/sitemap"/>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Static legal pages — 4 locales each (#3174). Same hreflang cluster
       pattern as the landing so Google understands the locale graph. -->
  <url>
    <loc>https://mozaicfinance.com/terms</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/terms"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/terms"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/terms"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/terms"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/terms"/>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/fr/terms</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/terms"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/terms"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/terms"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/terms"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/terms"/>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/es/terms</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/terms"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/terms"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/terms"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/terms"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/terms"/>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/zh/terms</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/terms"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/terms"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/terms"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/terms"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/terms"/>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://mozaicfinance.com/privacy-policy</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/privacy-policy"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/privacy-policy"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/privacy-policy"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/privacy-policy"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/privacy-policy"/>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/fr/privacy-policy</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/privacy-policy"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/privacy-policy"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/privacy-policy"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/privacy-policy"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/privacy-policy"/>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/es/privacy-policy</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/privacy-policy"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/privacy-policy"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/privacy-policy"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/privacy-policy"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/privacy-policy"/>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/zh/privacy-policy</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/privacy-policy"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/privacy-policy"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mozaicfinance.com/es/privacy-policy"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://mozaicfinance.com/zh/privacy-policy"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/privacy-policy"/>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- BLOG:BEGIN — generated by scripts/build_blog.py; do not edit by hand.
       Blog index + article <url> entries for every locale. Regenerate with
       `make refresh-blog`. <lastmod> is each post's date_modified or date;
       add_sitemap_lastmod.py deliberately skips this region. -->

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    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/vs/mint/"/>
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  <url>
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    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/vs/mint/"/>
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    <changefreq>monthly</changefreq>
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    <changefreq>monthly</changefreq>
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  <url>
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    <lastmod>2026-07-11</lastmod>
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  </url>

  <!-- Public 'supported institutions' coverage page. Sources from
       frontend/web/static-landing/coverage.json; the FR URL slug differs
       from a literal translation because Quebec users search
       "institutions prises en charge", not "institutions soutenues". -->
  <url>
    <loc>https://mozaicfinance.com/supported-institutions/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/supported-institutions/"/>
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    <priority>0.7</priority>
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  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <!-- Per-institution programmatic SEO pages (#3167) — Big Six banks ×
       EN+FR = 12 pages. ES/ZH alternates intentionally omitted (deferred
       per the issue); pointing them at non-existent pages would be a soft
       SEO penalty in Search Console. National Bank's FR slug is
       `banque-nationale` (not `national-bank`) because Quebec users search
       for "Banque Nationale". The /banks/ hub (and /fr/banques/) indexes the
       list — same hub pattern as /vs/. -->
  <url>
    <loc>https://mozaicfinance.com/banks/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/banks/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/banques/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/banks/"/>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/fr/banques/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/banks/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/banques/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/banks/"/>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/banks/rbc/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/banks/rbc/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/banques/rbc/"/>
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    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://mozaicfinance.com/fr/banques/rbc/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/banks/rbc/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/banques/rbc/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/banks/rbc/"/>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/banks/td/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/banks/td/"/>
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    <priority>0.6</priority>
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    <lastmod>2026-07-11</lastmod>
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    <changefreq>monthly</changefreq>
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    <lastmod>2026-07-11</lastmod>
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    <lastmod>2026-07-11</lastmod>
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    <loc>https://mozaicfinance.com/fr/banques/bmo/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/banks/bmo/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/banques/bmo/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/banks/bmo/"/>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/banks/cibc/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/banks/cibc/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/banques/cibc/"/>
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    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-07-11</lastmod>
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    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/banques/cibc/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/banks/cibc/"/>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://mozaicfinance.com/banks/national-bank/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/banks/national-bank/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/banques/banque-nationale/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/banks/national-bank/"/>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/banks/national-bank/"/>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Per-broker programmatic SEO pages (#3253, broker half of #3167) —
       batch 1: independent brokers × EN+FR = 8 pages. ES/ZH alternates
       intentionally omitted (deferred); pointing them at non-existent pages
       would be a soft SEO penalty in Search Console. FR uses "courtiers"
       rather than "brokers" because Quebec users search the French term. The
       /brokers/ hub (and /fr/courtiers/) indexes the list — same hub pattern
       as /vs/. -->
  <url>
    <loc>https://mozaicfinance.com/brokers/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/brokers/"/>
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    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/brokers/"/>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/fr/courtiers/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/brokers/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/courtiers/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/brokers/"/>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/brokers/wealthsimple-trade/"/>
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    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
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    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/brokers/wealthsimple-trade/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/courtiers/wealthsimple-trade/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/brokers/wealthsimple-trade/"/>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/brokers/questrade/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/brokers/questrade/"/>
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    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/brokers/questrade/"/>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/brokers/questrade/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/courtiers/questrade/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/brokers/questrade/"/>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/brokers/ibkr-canada/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/brokers/ibkr-canada/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/courtiers/ibkr-canada/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/brokers/ibkr-canada/"/>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/fr/courtiers/ibkr-canada/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/brokers/ibkr-canada/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/courtiers/ibkr-canada/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/brokers/ibkr-canada/"/>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Per-broker programmatic SEO pages — TD Direct Investing only.
       The other bank-owned broker landing pages from batch 2 (RBC Direct
       Investing, BMO InvestorLine, Scotia iTrade, CIBC Investor's Edge,
       National Bank Direct Brokerage) were retracted in #3265 because
       SnapTrade does not actually integrate with them — the entire page
       premise was false. TD-DIRECT-INVESTING is in SnapTrade's beta tier
       as of 2026-05-26 (verified via list_all_brokerages). -->
  <url>
    <loc>https://mozaicfinance.com/brokers/td-direct-investing/</loc>
    <lastmod>2026-07-11</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/brokers/td-direct-investing/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mozaicfinance.com/fr/courtiers/td-placements-directs/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mozaicfinance.com/brokers/td-direct-investing/"/>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://mozaicfinance.com/fr/courtiers/td-placements-directs/</loc>
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    <xhtml:link rel="alternate" hreflang="en" href="https://mozaicfinance.com/brokers/td-direct-investing/"/>
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  <url>
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  <!-- Commercial capability pages (#4526, /features cluster). EN+FR pages for
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