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  <!-- 1. Home / Institutional Overview -->
  <url>
    <loc>https://clearosfinance.com/</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <image:image>
      <image:loc>https://clearosfinance.com/og-image.svg</image:loc>
      <image:title>Clearos Finance — The Private Institution for Digital Asset Finance</image:title>
      <image:caption>Bespoke collateralized lending, quantitative yield, segregated custody, and principal OTC block execution for family offices and treasuries.</image:caption>
    </image:image>
  </url>

  <!-- 2. About The Institution -->
  <url>
    <loc>https://clearosfinance.com/about</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 3. Core Practice: Institutional Lending -->
  <url>
    <loc>https://clearosfinance.com/services/institutional-lending</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 4. Core Practice: Yield Accounts -->
  <url>
    <loc>https://clearosfinance.com/services/yield-accounts</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 5. Core Practice: Private Wealth Management -->
  <url>
    <loc>https://clearosfinance.com/services/wealth-management</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 6. Core Practice: OTC Trading Desk -->
  <url>
    <loc>https://clearosfinance.com/services/otc-trading</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 7. Core Practice: Custody & Settlement Solutions -->
  <url>
    <loc>https://clearosfinance.com/services/custody-solutions</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 8. Core Practice: NFT & Alternative Asset Financing -->
  <url>
    <loc>https://clearosfinance.com/services/nft-backed-financing</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- 9. Institutional Research & Market Insights -->
  <url>
    <loc>https://clearosfinance.com/insights</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- 10. Executive Inquiries & Mandate Intake -->
  <url>
    <loc>https://clearosfinance.com/contact</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- 11. Institutional Privacy Policy -->
  <url>
    <loc>https://clearosfinance.com/privacy-policy</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- 12. Terms of Institutional Service -->
  <url>
    <loc>https://clearosfinance.com/terms-of-service</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- 13. Virtual Asset Risk Disclosure -->
  <url>
    <loc>https://clearosfinance.com/risk-disclosure</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
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