<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- ====== HOMEPAGE ====== -->
  <url>
    <loc>https://app-circl.com/</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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    <xhtml:link rel="alternate" hreflang="en-US" href="https://app-circl.com/"/>
    <xhtml:link rel="alternate" hreflang="en-ZA" href="https://app-circl.com/za/"/>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app-circl.com/ng/"/>
    <xhtml:link rel="alternate" hreflang="en-ET" href="https://app-circl.com/et/"/>
    <xhtml:link rel="alternate" hreflang="en-KE" href="https://app-circl.com/ke/"/>
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  <url>
    <loc>https://app-circl.com/za/</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app-circl.com/"/>
    <xhtml:link rel="alternate" hreflang="en-US" href="https://app-circl.com/"/>
    <xhtml:link rel="alternate" hreflang="en-ZA" href="https://app-circl.com/za/"/>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app-circl.com/ng/"/>
    <xhtml:link rel="alternate" hreflang="en-ET" href="https://app-circl.com/et/"/>
    <xhtml:link rel="alternate" hreflang="en-KE" href="https://app-circl.com/ke/"/>
  </url>

  <url>
    <loc>https://app-circl.com/ng/</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app-circl.com/"/>
    <xhtml:link rel="alternate" hreflang="en-US" href="https://app-circl.com/"/>
    <xhtml:link rel="alternate" hreflang="en-ZA" href="https://app-circl.com/za/"/>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app-circl.com/ng/"/>
    <xhtml:link rel="alternate" hreflang="en-ET" href="https://app-circl.com/et/"/>
    <xhtml:link rel="alternate" hreflang="en-KE" href="https://app-circl.com/ke/"/>
  </url>

  <url>
    <loc>https://app-circl.com/et/</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app-circl.com/"/>
    <xhtml:link rel="alternate" hreflang="en-US" href="https://app-circl.com/"/>
    <xhtml:link rel="alternate" hreflang="en-ZA" href="https://app-circl.com/za/"/>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app-circl.com/ng/"/>
    <xhtml:link rel="alternate" hreflang="en-ET" href="https://app-circl.com/et/"/>
    <xhtml:link rel="alternate" hreflang="en-KE" href="https://app-circl.com/ke/"/>
  </url>

  <url>
    <loc>https://app-circl.com/ke/</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app-circl.com/"/>
    <xhtml:link rel="alternate" hreflang="en-US" href="https://app-circl.com/"/>
    <xhtml:link rel="alternate" hreflang="en-ZA" href="https://app-circl.com/za/"/>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app-circl.com/ng/"/>
    <xhtml:link rel="alternate" hreflang="en-ET" href="https://app-circl.com/et/"/>
    <xhtml:link rel="alternate" hreflang="en-KE" href="https://app-circl.com/ke/"/>
  </url>

  <!-- ====== COUNTRIES INDEX ====== -->
  <url>
    <loc>https://app-circl.com/countries</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ====== ABOUT ====== -->
  <url>
    <loc>https://app-circl.com/about</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app-circl.com/about"/>
    <xhtml:link rel="alternate" hreflang="en-US" href="https://app-circl.com/about"/>
    <xhtml:link rel="alternate" hreflang="en-ZA" href="https://app-circl.com/za/about"/>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app-circl.com/ng/about"/>
    <xhtml:link rel="alternate" hreflang="en-ET" href="https://app-circl.com/et/about"/>
    <xhtml:link rel="alternate" hreflang="en-KE" href="https://app-circl.com/ke/about"/>
  </url>

  <url>
    <loc>https://app-circl.com/za/about</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app-circl.com/about"/>
    <xhtml:link rel="alternate" hreflang="en-US" href="https://app-circl.com/about"/>
    <xhtml:link rel="alternate" hreflang="en-ZA" href="https://app-circl.com/za/about"/>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app-circl.com/ng/about"/>
    <xhtml:link rel="alternate" hreflang="en-ET" href="https://app-circl.com/et/about"/>
    <xhtml:link rel="alternate" hreflang="en-KE" href="https://app-circl.com/ke/about"/>
  </url>

  <url>
    <loc>https://app-circl.com/ng/about</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app-circl.com/about"/>
    <xhtml:link rel="alternate" hreflang="en-US" href="https://app-circl.com/about"/>
    <xhtml:link rel="alternate" hreflang="en-ZA" href="https://app-circl.com/za/about"/>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app-circl.com/ng/about"/>
    <xhtml:link rel="alternate" hreflang="en-ET" href="https://app-circl.com/et/about"/>
    <xhtml:link rel="alternate" hreflang="en-KE" href="https://app-circl.com/ke/about"/>
  </url>

  <url>
    <loc>https://app-circl.com/et/about</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app-circl.com/about"/>
    <xhtml:link rel="alternate" hreflang="en-US" href="https://app-circl.com/about"/>
    <xhtml:link rel="alternate" hreflang="en-ZA" href="https://app-circl.com/za/about"/>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app-circl.com/ng/about"/>
    <xhtml:link rel="alternate" hreflang="en-ET" href="https://app-circl.com/et/about"/>
    <xhtml:link rel="alternate" hreflang="en-KE" href="https://app-circl.com/ke/about"/>
  </url>

  <url>
    <loc>https://app-circl.com/ke/about</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app-circl.com/about"/>
    <xhtml:link rel="alternate" hreflang="en-US" href="https://app-circl.com/about"/>
    <xhtml:link rel="alternate" hreflang="en-ZA" href="https://app-circl.com/za/about"/>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app-circl.com/ng/about"/>
    <xhtml:link rel="alternate" hreflang="en-ET" href="https://app-circl.com/et/about"/>
    <xhtml:link rel="alternate" hreflang="en-KE" href="https://app-circl.com/ke/about"/>
  </url>

  <!-- ====== CONTACT ====== -->
  <url>
    <loc>https://app-circl.com/contact</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app-circl.com/contact"/>
    <xhtml:link rel="alternate" hreflang="en-US" href="https://app-circl.com/contact"/>
    <xhtml:link rel="alternate" hreflang="en-ZA" href="https://app-circl.com/za/contact"/>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app-circl.com/ng/contact"/>
    <xhtml:link rel="alternate" hreflang="en-ET" href="https://app-circl.com/et/contact"/>
    <xhtml:link rel="alternate" hreflang="en-KE" href="https://app-circl.com/ke/contact"/>
  </url>

  <url>
    <loc>https://app-circl.com/za/contact</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app-circl.com/contact"/>
    <xhtml:link rel="alternate" hreflang="en-US" href="https://app-circl.com/contact"/>
    <xhtml:link rel="alternate" hreflang="en-ZA" href="https://app-circl.com/za/contact"/>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app-circl.com/ng/contact"/>
    <xhtml:link rel="alternate" hreflang="en-ET" href="https://app-circl.com/et/contact"/>
    <xhtml:link rel="alternate" hreflang="en-KE" href="https://app-circl.com/ke/contact"/>
  </url>

  <url>
    <loc>https://app-circl.com/ng/contact</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app-circl.com/contact"/>
    <xhtml:link rel="alternate" hreflang="en-US" href="https://app-circl.com/contact"/>
    <xhtml:link rel="alternate" hreflang="en-ZA" href="https://app-circl.com/za/contact"/>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app-circl.com/ng/contact"/>
    <xhtml:link rel="alternate" hreflang="en-ET" href="https://app-circl.com/et/contact"/>
    <xhtml:link rel="alternate" hreflang="en-KE" href="https://app-circl.com/ke/contact"/>
  </url>

  <url>
    <loc>https://app-circl.com/et/contact</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app-circl.com/contact"/>
    <xhtml:link rel="alternate" hreflang="en-US" href="https://app-circl.com/contact"/>
    <xhtml:link rel="alternate" hreflang="en-ZA" href="https://app-circl.com/za/contact"/>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app-circl.com/ng/contact"/>
    <xhtml:link rel="alternate" hreflang="en-ET" href="https://app-circl.com/et/contact"/>
    <xhtml:link rel="alternate" hreflang="en-KE" href="https://app-circl.com/ke/contact"/>
  </url>

  <url>
    <loc>https://app-circl.com/ke/contact</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app-circl.com/contact"/>
    <xhtml:link rel="alternate" hreflang="en-US" href="https://app-circl.com/contact"/>
    <xhtml:link rel="alternate" hreflang="en-ZA" href="https://app-circl.com/za/contact"/>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app-circl.com/ng/contact"/>
    <xhtml:link rel="alternate" hreflang="en-ET" href="https://app-circl.com/et/contact"/>
    <xhtml:link rel="alternate" hreflang="en-KE" href="https://app-circl.com/ke/contact"/>
  </url>

</urlset>