<?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"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
  <!-- Página Principal -->
  <url>
    <loc>https://creditoopen.com.br/</loc>
    <lastmod>2026-01-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <image:image>
      <image:loc>https://creditoopen.com.br/images/credito-open-logo.png</image:loc>
      <image:title>CréditO Open - Marketplace de Crédito</image:title>
    </image:image>
  </url>
  
  <!-- Simulador - Principal CTA -->
  <url>
    <loc>https://creditoopen.com.br/simular</loc>
    <lastmod>2026-01-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>
  
  <!-- Wizard de Crédito -->
  <url>
    <loc>https://creditoopen.com.br/credito</loc>
    <lastmod>2026-01-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>
  
  <!-- Páginas de Produtos -->
  <url>
    <loc>https://creditoopen.com.br/emprestimo-pessoal</loc>
    <lastmod>2026-01-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <url>
    <loc>https://creditoopen.com.br/financiamento-imobiliario</loc>
    <lastmod>2026-01-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <url>
    <loc>https://creditoopen.com.br/credito-com-garantia</loc>
    <lastmod>2026-01-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <url>
    <loc>https://creditoopen.com.br/portabilidade</loc>
    <lastmod>2026-01-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Páginas Informativas -->
  <url>
    <loc>https://creditoopen.com.br/como-funciona</loc>
    <lastmod>2026-01-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <url>
    <loc>https://creditoopen.com.br/fale-conosco</loc>
    <lastmod>2026-01-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <!-- Páginas Legais -->
  <url>
    <loc>https://creditoopen.com.br/politica-de-privacidade</loc>
    <lastmod>2026-01-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  
  <url>
    <loc>https://creditoopen.com.br/termos-de-servico</loc>
    <lastmod>2026-01-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  
  <!-- LocarData B2B -->
  <url>
    <loc>https://locardata.com.br</loc>
    <lastmod>2026-01-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Mapa do Site -->
  <url>
    <loc>https://creditoopen.com.br/sitemap</loc>
    <lastmod>2026-01-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>
</urlset>
