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  <!-- Homepage -->
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    <loc>https://psp.cy/</loc>
    <lastmod>2026-05-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <!-- Top-level hubs -->
  <url>
    <loc>https://psp.cy/cyprus/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://psp.cy/tools/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://psp.cy/licenses/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://psp.cy/compare/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://psp.cy/crypto/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://psp.cy/application/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://psp.cy/post-licensing/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://psp.cy/regulations/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://psp.cy/services/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://psp.cy/glossary/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://psp.cy/insights/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- License sub-hubs -->
  <url>
    <loc>https://psp.cy/licenses/emi/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/pi/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/spi/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/aisp/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/pisp/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/acquire-existing/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- EMI deep-dives -->
  <url>
    <loc>https://psp.cy/licenses/emi/cyprus/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/emi/cost/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/emi/capital-requirements/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/emi/application-process/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/emi/timeline/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/emi/passporting/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/emi/vs-pi/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- PI deep-dives -->
  <url>
    <loc>https://psp.cy/licenses/pi/cyprus/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/pi/cost/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/pi/capital-requirements/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/pi/application-process/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/pi/timeline/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/pi/passporting/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/pi/services-list/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- SPI deep-dives -->
  <url>
    <loc>https://psp.cy/licenses/spi/cyprus/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/spi/thresholds/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/spi/upgrade-path-to-pi/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Acquire existing -->
  <url>
    <loc>https://psp.cy/licenses/acquire-existing/cyprus-emi/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/acquire-existing/cyprus-pi/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/acquire-existing/due-diligence/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/licenses/acquire-existing/transfer-process/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Cyprus topic spokes (10) -->
  <url>
    <loc>https://psp.cy/cyprus/why-cyprus-for-psp-licensing/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/cyprus/central-bank-of-cyprus-supervision/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/cyprus/cbc-circulars-tracker/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/cyprus/banking-relationships/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/cyprus/substance-requirements/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/cyprus/local-director-and-mlro/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/cyprus/office-and-staffing/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/cyprus/timelines-by-license-type/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/cyprus/post-licensing-supervision/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/cyprus/regulatory-fees/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Comparison pages (14) -->
  <url>
    <loc>https://psp.cy/compare/cyprus-vs-lithuania/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/compare/cyprus-vs-malta/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/compare/cyprus-vs-ireland/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/compare/cyprus-vs-estonia/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/compare/cyprus-vs-uk/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/compare/cyprus-vs-luxembourg/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/compare/cyprus-vs-netherlands/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/compare/cyprus-vs-spain/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/compare/cyprus-vs-germany/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/compare/emi-vs-pi/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/compare/pi-vs-spi/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/compare/emi-vs-spi/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/compare/aisp-vs-pisp/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/compare/combined-vs-full-pi/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Crypto (6) -->
  <url>
    <loc>https://psp.cy/crypto/eu-fiat-rails-via-cyprus-emi/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/crypto/web3-emi-licensing-cyprus/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/crypto/micar-and-emi-overlap/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/crypto/stablecoin-issuance-emi-route/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/crypto/banking-for-crypto-licensed-emis/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/crypto/cysec-vasp-vs-cbc-emi/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Application sections (13) -->
  <url>
    <loc>https://psp.cy/application/business-plan-requirements/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/application/financial-projections/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/application/governance-and-board/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/application/fit-and-proper/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/application/aml-cft-framework/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/application/risk-management-framework/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/application/it-and-security/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/application/outsourcing-arrangements/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/application/safeguarding-arrangements/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/application/capital-and-own-funds/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/application/programme-of-operations/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/application/cbc-questions-bank/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/application/common-rejection-reasons/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Post-licensing (12) -->
  <url>
    <loc>https://psp.cy/post-licensing/regulatory-reporting-calendar/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/post-licensing/own-funds-monitoring/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/post-licensing/safeguarding-reconciliation/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/post-licensing/incident-reporting/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/post-licensing/major-incident-reporting/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/post-licensing/annual-icaap/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/post-licensing/internal-audit-cycle/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/post-licensing/compliance-officer-duties/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/post-licensing/aml-officer-duties/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/post-licensing/board-meeting-cadence/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/post-licensing/cbc-onsite-inspection-prep/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/post-licensing/passporting-notifications/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Regulations (11) -->
  <url>
    <loc>https://psp.cy/regulations/psd2/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/regulations/psd3-psr/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/regulations/emd2/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/regulations/amld6/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/regulations/eu-aml-package/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/regulations/micar/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/regulations/dora/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/regulations/gdpr-for-psps/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/regulations/eba-guidelines/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/regulations/eba-rts-and-its/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/regulations/cbc-laws-and-directives/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Services (9) -->
  <url>
    <loc>https://psp.cy/services/licensing-advisory/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/services/application-preparation/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/services/post-licensing-compliance/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/services/license-acquisition-advisory/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://psp.cy/services/passporting/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/services/cbc-inspection-readiness/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/services/aml-officer-as-a-service/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/services/internal-audit-as-a-service/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- Tools (9) -->
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    <loc>https://psp.cy/tools/license-fit-diagnostic/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/tools/cost-calculator/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/tools/capital-requirement-calculator/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/tools/timeline-estimator/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/tools/substance-calculator/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/tools/jurisdiction-comparator/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/tools/fit-and-proper-self-check/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/tools/safeguarding-calculator/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://psp.cy/tools/aml-readiness-scorecard/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Strategy call -->
  <url>
    <loc>https://psp.cy/book/strategy-call/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- About, contact, resources -->
  <url>
    <loc>https://psp.cy/about/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://psp.cy/contact/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://psp.cy/resources/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://psp.cy/resources/cbc-application-checklist/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://psp.cy/resources/regulatory-reporting-calendar-pdf/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Legal -->
  <url>
    <loc>https://psp.cy/privacy/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://psp.cy/terms/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://psp.cy/cookies/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

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</urlset>
