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  <!-- ── Silo 4: Conversão / Institucionais ── -->
  <url>
    <loc>https://moneybrainia.com.br/</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://moneybrainia.com.br/cadastro</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://moneybrainia.com.br/quem-somos</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://moneybrainia.com.br/privacidade</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- ── Silo 4: Páginas comparativas (fundo de funil, alta conversão) ── -->
  <url>
    <loc>https://moneybrainia.com.br/moneyia-vs-mobills</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- ── Silo 3: B2B / Empresas ── -->
  <url>
    <loc>https://moneybrainia.com.br/para-empresas</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ── Silo 1: Hub de Ferramentas ── -->
  <url>
    <loc>https://moneybrainia.com.br/ferramentas</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ── Silo 1: Ferramentas originais (10) ── -->
  <url>
    <loc>https://moneybrainia.com.br/ferramentas/controle-de-gastos</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://moneybrainia.com.br/ferramentas/conversor-de-moeda</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://moneybrainia.com.br/ferramentas/juros-compostos</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://moneybrainia.com.br/ferramentas/orcamento-mensal</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://moneybrainia.com.br/ferramentas/calculadora-emprestimos</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://moneybrainia.com.br/ferramentas/calculadora-porcentagem</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://moneybrainia.com.br/ferramentas/calculadora-inflacao</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://moneybrainia.com.br/ferramentas/reserva-emergencia</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://moneybrainia.com.br/ferramentas/patrimonio-liquido</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://moneybrainia.com.br/ferramentas/calculadora-fire</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- ── Silo 1: Quick Wins (alto volume, alta prioridade de indexação) ── -->
  <url>
    <loc>https://moneybrainia.com.br/ferramentas/calculadora-rescisao</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.92</priority>
  </url>
  <url>
    <loc>https://moneybrainia.com.br/ferramentas/rendimento-renda-fixa</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.92</priority>
  </url>
  <url>
    <loc>https://moneybrainia.com.br/ferramentas/simulador-fgts</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.88</priority>
  </url>

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