<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Core pages -->
  <url>
    <loc>https://secondlayer.app/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://secondlayer.app/decode</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://secondlayer.app/enterprise</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://secondlayer.app/pricing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://secondlayer.app/how-it-works</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://secondlayer.app/privacy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://secondlayer.app/terms</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Insurance guides hub -->
  <url>
    <loc>https://secondlayer.app/seo/content/insurance/insurance-guides</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Insurance guide articles -->
  <url>
    <loc>https://secondlayer.app/seo/content/insurance/hidden-insurance-clauses</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://secondlayer.app/seo/content/insurance/are-you-overpaying-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://secondlayer.app/seo/content/insurance/car-insurance-ireland-explained</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://secondlayer.app/seo/content/insurance/home-insurance-hidden-risks</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://secondlayer.app/seo/content/insurance/how-to-read-insurance-policy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://secondlayer.app/seo/content/insurance/insurance-claim-rejection-reasons</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://secondlayer.app/seo/content/insurance/insurance-exclusions-explained</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://secondlayer.app/seo/content/insurance/insurance-policy-checker</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://secondlayer.app/seo/content/insurance/insurance-terms-explained</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://secondlayer.app/seo/content/insurance/switch-insurance-guide</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

</urlset>
