<?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">

  <!-- English (default, served at the root) -->
  <url>
    <loc>https://smartbudget-bot.com/</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartbudget-bot.com/"/>
    <xhtml:link rel="alternate" hreflang="ru" href="https://smartbudget-bot.com/ru/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smartbudget-bot.com/es/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartbudget-bot.com/"/>
    <lastmod>2026-09-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Russian -->
  <url>
    <loc>https://smartbudget-bot.com/ru/</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartbudget-bot.com/"/>
    <xhtml:link rel="alternate" hreflang="ru" href="https://smartbudget-bot.com/ru/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smartbudget-bot.com/es/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartbudget-bot.com/"/>
    <lastmod>2026-09-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Spanish -->
  <url>
    <loc>https://smartbudget-bot.com/es/</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartbudget-bot.com/"/>
    <xhtml:link rel="alternate" hreflang="ru" href="https://smartbudget-bot.com/ru/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smartbudget-bot.com/es/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartbudget-bot.com/"/>
    <lastmod>2026-09-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Blog index (English) -->
  <url>
    <loc>https://smartbudget-bot.com/blog/</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartbudget-bot.com/blog/"/>
    <xhtml:link rel="alternate" hreflang="ru" href="https://smartbudget-bot.com/ru/blog/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smartbudget-bot.com/es/blog/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartbudget-bot.com/blog/"/>
    <lastmod>2026-09-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Blog index (Russian) -->
  <url>
    <loc>https://smartbudget-bot.com/ru/blog/</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartbudget-bot.com/blog/"/>
    <xhtml:link rel="alternate" hreflang="ru" href="https://smartbudget-bot.com/ru/blog/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smartbudget-bot.com/es/blog/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartbudget-bot.com/blog/"/>
    <lastmod>2026-09-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Blog index (Spanish) -->
  <url>
    <loc>https://smartbudget-bot.com/es/blog/</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartbudget-bot.com/blog/"/>
    <xhtml:link rel="alternate" hreflang="ru" href="https://smartbudget-bot.com/ru/blog/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smartbudget-bot.com/es/blog/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartbudget-bot.com/blog/"/>
    <lastmod>2026-09-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Privacy Policy -->
  <url>
    <loc>https://smartbudget-bot.com/privacy</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartbudget-bot.com/privacy"/>
    <xhtml:link rel="alternate" hreflang="ru" href="https://smartbudget-bot.com/ru/privacy"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smartbudget-bot.com/es/privacy"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartbudget-bot.com/privacy"/>
    <lastmod>2026-09-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://smartbudget-bot.com/ru/privacy</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartbudget-bot.com/privacy"/>
    <xhtml:link rel="alternate" hreflang="ru" href="https://smartbudget-bot.com/ru/privacy"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smartbudget-bot.com/es/privacy"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartbudget-bot.com/privacy"/>
    <lastmod>2026-09-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://smartbudget-bot.com/es/privacy</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartbudget-bot.com/privacy"/>
    <xhtml:link rel="alternate" hreflang="ru" href="https://smartbudget-bot.com/ru/privacy"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smartbudget-bot.com/es/privacy"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartbudget-bot.com/privacy"/>
    <lastmod>2026-09-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Terms of Service -->
  <url>
    <loc>https://smartbudget-bot.com/terms</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartbudget-bot.com/terms"/>
    <xhtml:link rel="alternate" hreflang="ru" href="https://smartbudget-bot.com/ru/terms"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smartbudget-bot.com/es/terms"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartbudget-bot.com/terms"/>
    <lastmod>2026-09-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://smartbudget-bot.com/ru/terms</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartbudget-bot.com/terms"/>
    <xhtml:link rel="alternate" hreflang="ru" href="https://smartbudget-bot.com/ru/terms"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smartbudget-bot.com/es/terms"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartbudget-bot.com/terms"/>
    <lastmod>2026-09-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://smartbudget-bot.com/es/terms</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartbudget-bot.com/terms"/>
    <xhtml:link rel="alternate" hreflang="ru" href="https://smartbudget-bot.com/ru/terms"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smartbudget-bot.com/es/terms"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartbudget-bot.com/terms"/>
    <lastmod>2026-09-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Individual posts go here as they're published — one <url> block per
       language per slug, same pattern as above. See GEMINI.md → "Блог". -->

  <!-- Post: budget-without-joint-account (EN) -->
  <url>
    <loc>https://smartbudget-bot.com/blog/budget-without-joint-account</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartbudget-bot.com/blog/budget-without-joint-account"/>
    <xhtml:link rel="alternate" hreflang="ru" href="https://smartbudget-bot.com/ru/blog/budget-without-joint-account"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smartbudget-bot.com/es/blog/budget-without-joint-account"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartbudget-bot.com/blog/budget-without-joint-account"/>
    <lastmod>2026-09-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Post: budget-without-joint-account (RU) -->
  <url>
    <loc>https://smartbudget-bot.com/ru/blog/budget-without-joint-account</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartbudget-bot.com/blog/budget-without-joint-account"/>
    <xhtml:link rel="alternate" hreflang="ru" href="https://smartbudget-bot.com/ru/blog/budget-without-joint-account"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smartbudget-bot.com/es/blog/budget-without-joint-account"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartbudget-bot.com/blog/budget-without-joint-account"/>
    <lastmod>2026-09-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Post: budget-without-joint-account (ES) -->
  <url>
    <loc>https://smartbudget-bot.com/es/blog/budget-without-joint-account</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartbudget-bot.com/blog/budget-without-joint-account"/>
    <xhtml:link rel="alternate" hreflang="ru" href="https://smartbudget-bot.com/ru/blog/budget-without-joint-account"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smartbudget-bot.com/es/blog/budget-without-joint-account"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartbudget-bot.com/blog/budget-without-joint-account"/>
    <lastmod>2026-09-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Post: shared-budget-for-couples (EN) -->
  <url>
    <loc>https://smartbudget-bot.com/blog/shared-budget-for-couples</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartbudget-bot.com/blog/shared-budget-for-couples"/>
    <xhtml:link rel="alternate" hreflang="ru" href="https://smartbudget-bot.com/ru/blog/shared-budget-for-couples"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smartbudget-bot.com/es/blog/shared-budget-for-couples"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartbudget-bot.com/blog/shared-budget-for-couples"/>
    <lastmod>2026-09-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Post: shared-budget-for-couples (RU) -->
  <url>
    <loc>https://smartbudget-bot.com/ru/blog/shared-budget-for-couples</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartbudget-bot.com/blog/shared-budget-for-couples"/>
    <xhtml:link rel="alternate" hreflang="ru" href="https://smartbudget-bot.com/ru/blog/shared-budget-for-couples"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smartbudget-bot.com/es/blog/shared-budget-for-couples"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartbudget-bot.com/blog/shared-budget-for-couples"/>
    <lastmod>2026-09-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Post: shared-budget-for-couples (ES) -->
  <url>
    <loc>https://smartbudget-bot.com/es/blog/shared-budget-for-couples</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartbudget-bot.com/blog/shared-budget-for-couples"/>
    <xhtml:link rel="alternate" hreflang="ru" href="https://smartbudget-bot.com/ru/blog/shared-budget-for-couples"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smartbudget-bot.com/es/blog/shared-budget-for-couples"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartbudget-bot.com/blog/shared-budget-for-couples"/>
    <lastmod>2026-09-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

</urlset>
