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  <!-- Other families × 4 langs (22 × 4 = 88)                                 -->
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  <!-- /admin/* → NOT included                                                 -->
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  <!-- Home -->
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  <!-- Card -->
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  <!-- Send -->
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  <!-- Global Payments -->
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    <lastmod>2026-05-05</lastmod>
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  <!-- Earn -->
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    <lastmod>2026-05-05</lastmod>
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  <!-- Activity -->
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    <lastmod>2026-05-05</lastmod>
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  <!-- Ambassador -->
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    <lastmod>2026-05-05</lastmod>
    <changefreq>weekly</changefreq>
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    <lastmod>2026-05-05</lastmod>
    <changefreq>weekly</changefreq>
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  <!-- Blog listing (canonical — NOT /blog redirect) -->
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    <changefreq>weekly</changefreq>
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  <!-- Bloggers -->
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    <lastmod>2026-05-05</lastmod>
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  <!-- FAQ -->
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    <changefreq>weekly</changefreq>
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  <!-- Contact -->
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    <lastmod>2026-05-05</lastmod>
    <changefreq>weekly</changefreq>
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    <lastmod>2026-05-05</lastmod>
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    <priority>0.8</priority>
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  <!-- About -->
  <url>
    <loc>https://www.hoyapay.com/about/zh</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <url>
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  <url>
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    <lastmod>2026-05-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Download -->
  <url>
    <loc>https://www.hoyapay.com/download/zh</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <url>
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  <!-- Privacy -->
  <url>
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    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
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    <lastmod>2026-05-05</lastmod>
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  </url>
  <url>
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  <url>
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  </url>

  <!-- Terms -->
  <url>
    <loc>https://www.hoyapay.com/terms/zh</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
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  <url>
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    <lastmod>2026-05-05</lastmod>
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    <priority>0.8</priority>
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  <!-- Compliance -->
  <url>
    <loc>https://www.hoyapay.com/compliance/zh</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
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    <lastmod>2026-05-05</lastmod>
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  <url>
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    <priority>0.8</priority>
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  <url>
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    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Fees -->
  <url>
    <loc>https://www.hoyapay.com/fees/zh</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
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  <url>
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    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Risk -->
  <url>
    <loc>https://www.hoyapay.com/risk/zh</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
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  <url>
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  <url>
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    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Complaints -->
  <url>
    <loc>https://www.hoyapay.com/complaints/zh</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
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    <changefreq>monthly</changefreq>
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  <url>
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    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
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    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Licenses -->
  <url>
    <loc>https://www.hoyapay.com/licenses/zh</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.hoyapay.com/licenses/cn</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
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    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
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    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ═══════════════════════════════════════════════════════════════════════ -->
  <!-- BLOG CATEGORY URLs (24) — 6 slugs × 4 langs                           -->
  <!-- ═══════════════════════════════════════════════════════════════════════ -->

  <!-- tutorials -->
  <url>
    <loc>https://www.hoyapay.com/blog/zh/category/tutorials</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <!-- money-management -->
  <url>
    <loc>https://www.hoyapay.com/blog/zh/category/money-management</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
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    <changefreq>monthly</changefreq>
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  <url>
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    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- security-compliance -->
  <url>
    <loc>https://www.hoyapay.com/blog/zh/category/security-compliance</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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    <changefreq>monthly</changefreq>
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