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  <!-- Homepage -->
  <url>
    <loc>https://tandpay.com/</loc>
    <lastmod>2026-03-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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    <xhtml:link rel="alternate" hreflang="rw" href="https://tandpay.com/?lang=rw" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://tandpay.com/" />
    <image:image>
      <image:loc>https://tandpay.com/images/hero-banner.jpg</image:loc>
      <image:title>TandPay — Escrow for safe social commerce in Rwanda with MTN Mobile Money</image:title>
    </image:image>
    <image:image>
      <image:loc>https://tandpay.com/images/green_logo.png</image:loc>
      <image:title>TandPay logo — Rwanda escrow platform</image:title>
    </image:image>
  </url>

  <!-- Blog Hub -->
  <url>
    <loc>https://tandpay.com/blog/</loc>
    <lastmod>2026-03-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- English Blog Posts (with Kinyarwanda alternates) -->
  <url>
    <loc>https://tandpay.com/blog/what-is-escrow.html</loc>
    <lastmod>2026-03-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://tandpay.com/blog/what-is-escrow.html" />
    <xhtml:link rel="alternate" hreflang="rw" href="https://tandpay.com/blog/escrow-ni-iki.html" />
  </url>
  <url>
    <loc>https://tandpay.com/blog/buy-safely-whatsapp-rwanda.html</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://tandpay.com/blog/buy-safely-whatsapp-rwanda.html" />
    <xhtml:link rel="alternate" hreflang="rw" href="https://tandpay.com/blog/gura-neza-whatsapp.html" />
  </url>
  <url>
    <loc>https://tandpay.com/blog/online-shopping-scams-rwanda.html</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://tandpay.com/blog/online-shopping-scams-rwanda.html" />
    <xhtml:link rel="alternate" hreflang="rw" href="https://tandpay.com/blog/uburiganya-kuri-internet.html" />
  </url>
  <url>
    <loc>https://tandpay.com/blog/mobile-money-escrow-explained.html</loc>
    <lastmod>2026-02-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://tandpay.com/blog/mobile-money-escrow-explained.html" />
    <xhtml:link rel="alternate" hreflang="rw" href="https://tandpay.com/blog/tandpay-irinda-abakiriya.html" />
  </url>
  <url>
    <loc>https://tandpay.com/blog/sellers-switching-to-escrow.html</loc>
    <lastmod>2026-02-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://tandpay.com/blog/sellers-switching-to-escrow.html" />
    <xhtml:link rel="alternate" hreflang="rw" href="https://tandpay.com/blog/abacuruzi-bahisemo-tandpay.html" />
  </url>

  <!-- Kinyarwanda Blog Posts (with English alternates) -->
  <url>
    <loc>https://tandpay.com/blog/escrow-ni-iki.html</loc>
    <lastmod>2026-01-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="rw" href="https://tandpay.com/blog/escrow-ni-iki.html" />
    <xhtml:link rel="alternate" hreflang="en" href="https://tandpay.com/blog/what-is-escrow.html" />
  </url>
  <url>
    <loc>https://tandpay.com/blog/gura-neza-whatsapp.html</loc>
    <lastmod>2026-01-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="rw" href="https://tandpay.com/blog/gura-neza-whatsapp.html" />
    <xhtml:link rel="alternate" hreflang="en" href="https://tandpay.com/blog/buy-safely-whatsapp-rwanda.html" />
  </url>
  <url>
    <loc>https://tandpay.com/blog/uburiganya-kuri-internet.html</loc>
    <lastmod>2026-01-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="rw" href="https://tandpay.com/blog/uburiganya-kuri-internet.html" />
    <xhtml:link rel="alternate" hreflang="en" href="https://tandpay.com/blog/online-shopping-scams-rwanda.html" />
  </url>
  <url>
    <loc>https://tandpay.com/blog/tandpay-irinda-abakiriya.html</loc>
    <lastmod>2026-01-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="rw" href="https://tandpay.com/blog/tandpay-irinda-abakiriya.html" />
    <xhtml:link rel="alternate" hreflang="en" href="https://tandpay.com/blog/mobile-money-escrow-explained.html" />
  </url>
  <url>
    <loc>https://tandpay.com/blog/abacuruzi-bahisemo-tandpay.html</loc>
    <lastmod>2026-01-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="rw" href="https://tandpay.com/blog/abacuruzi-bahisemo-tandpay.html" />
    <xhtml:link rel="alternate" hreflang="en" href="https://tandpay.com/blog/sellers-switching-to-escrow.html" />
  </url>

  <!-- New English Blog Posts -->
  <url>
    <loc>https://tandpay.com/blog/women-leading-social-commerce.html</loc>
    <lastmod>2026-02-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tandpay.com/blog/africa-mobile-money-trillion.html</loc>
    <lastmod>2026-02-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tandpay.com/blog/trust-gap-african-ecommerce.html</loc>
    <lastmod>2026-02-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- New Kinyarwanda Blog Posts -->
  <url>
    <loc>https://tandpay.com/blog/covid-yahinduye-mobile-money.html</loc>
    <lastmod>2026-01-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tandpay.com/blog/rwanda-ya-mbere-afrika.html</loc>
    <lastmod>2026-01-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tandpay.com/blog/igiciro-nyacyo-uburiganya.html</loc>
    <lastmod>2026-01-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
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