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  <!-- Core marketing pages -->
  <url>
    <loc>https://www.heretomorrow.co/</loc>
    <image:image>
      <image:loc>https://www.heretomorrow.co/api/og/home?title=Regulatory+Perpetual+Swaps&amp;label=Tomorrow&amp;tags=Hedge+funds%2C+Risk+transfer</image:loc>
      <image:title>Tomorrow | Regulatory, Compliance &amp; Legal Perpetual Swaps</image:title>
    </image:image>
    <lastmod>2026-08-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://www.heretomorrow.co/about</loc>
    <image:image>
      <image:loc>https://www.heretomorrow.co/api/og/about?title=About+Tomorrow&amp;label=Tomorrow&amp;tags=OTC%2C+ISDA</image:loc>
      <image:title>About Tomorrow</image:title>
    </image:image>
    <lastmod>2026-06-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
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       A sitemap names destinations; advertising a redirect spends crawl budget
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       is already listed above at priority 1.0. Restore this entry when the
       redirect is lifted. -->
  <url>
    <loc>https://www.heretomorrow.co/contact</loc>
    <image:image>
      <image:loc>https://www.heretomorrow.co/api/og/contact?title=Contact+Tomorrow&amp;label=Tomorrow&amp;tags=OTC%2C+Contact</image:loc>
      <image:title>Contact Tomorrow</image:title>
    </image:image>
    <lastmod>2026-06-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Instruments -->

  <!-- Product pages -->

  <!-- Research & insights -->
  <!-- Articles: none listed. The article bodies are not in the repo (articles/
       holds only _archive and medium/*.md), so every /articles/<slug> 404s and
       the /articles index links only to those. List a slug here only once its
       body is served. -->

  <!-- Learning center -->
  <url>
    <loc>https://www.heretomorrow.co/learn</loc>
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      <image:loc>https://www.heretomorrow.co/api/og/learn?title=Learning+Center+%7C+Tomorrow&amp;label=Tomorrow+Learn&amp;tags=Education%2C+OTC</image:loc>
      <image:title>Learning Center | Tomorrow</image:title>
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    <lastmod>2026-06-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.heretomorrow.co/learn/prediction-markets</loc>
    <image:image>
      <image:loc>https://www.heretomorrow.co/api/og/prediction-markets?title=Prediction+Markets+Explained&amp;label=Tomorrow+Learn&amp;tags=Prediction+Markets%2C+CFTC</image:loc>
      <image:title>Prediction Markets Explained</image:title>
    </image:image>
    <lastmod>2026-06-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.heretomorrow.co/learn/perpetual-contracts</loc>
    <image:image>
      <image:loc>https://www.heretomorrow.co/api/og/perpetual-contracts?title=Perpetual+Event+Contracts+Explained&amp;label=Tomorrow+Learn&amp;tags=Derivatives%2C+OTC</image:loc>
      <image:title>Perpetual Event Contracts Explained</image:title>
    </image:image>
    <lastmod>2026-06-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.heretomorrow.co/learn/hedging-strategies</loc>
    <image:image>
      <image:loc>https://www.heretomorrow.co/api/og/hedging-strategies?title=Hedging+Strategies+Guide&amp;label=Tomorrow+Learn&amp;tags=Hedging%2C+OTC</image:loc>
      <image:title>Hedging Strategies Guide</image:title>
    </image:image>
    <lastmod>2026-06-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.heretomorrow.co/learn/protection-swaps</loc>
    <image:image>
      <image:loc>https://www.heretomorrow.co/api/og/protection-swaps?title=Protection+Swaps+Explained&amp;label=Tomorrow+Learn&amp;tags=Derivatives%2C+ISDA</image:loc>
      <image:title>Protection Swaps Explained</image:title>
    </image:image>
    <lastmod>2026-06-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.heretomorrow.co/learn/reserve-overlays</loc>
    <image:image>
      <image:loc>https://www.heretomorrow.co/api/og/reserve-overlays-learn?title=Reserve+Overlays+Guide&amp;label=Tomorrow+Learn&amp;tags=Stablecoins%2C+SCO</image:loc>
      <image:title>Reserve Overlays Guide</image:title>
    </image:image>
    <lastmod>2026-06-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.heretomorrow.co/learn/risk-optimization</loc>
    <image:image>
      <image:loc>https://www.heretomorrow.co/api/og/risk-optimization?title=Risk+Optimization+%28PTRRS%29+Guide&amp;label=Tomorrow+Learn&amp;tags=PTRRS%2C+Risk+Optimization</image:loc>
      <image:title>Risk Optimization (PTRRS) Guide</image:title>
    </image:image>
    <lastmod>2026-08-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.heretomorrow.co/learn/bank-hedging</loc>
    <image:image>
      <image:loc>https://www.heretomorrow.co/api/og/bank-hedging?title=Community+Bank+Hedging+Guide&amp;label=Tomorrow+Learn&amp;tags=Community+Banks%2C+Capital+Relief</image:loc>
      <image:title>Community Bank Hedging Guide</image:title>
    </image:image>
    <lastmod>2026-08-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.heretomorrow.co/learn/gaming-risk</loc>
    <image:image>
      <image:loc>https://www.heretomorrow.co/api/og/gaming-risk?title=Gaming+Operator+Risk+Guide&amp;label=Tomorrow+Learn&amp;tags=Gaming%2C+OTC</image:loc>
      <image:title>Gaming Operator Risk Guide</image:title>
    </image:image>
    <lastmod>2026-08-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.heretomorrow.co/learn/insurer-hedging</loc>
    <image:image>
      <image:loc>https://www.heretomorrow.co/api/og/insurer-hedging?title=Insurer+RBC+Capital+Relief+Guide&amp;label=Tomorrow+Learn&amp;tags=Insurance%2C+RBC+Capital</image:loc>
      <image:title>Insurer RBC Capital Relief Guide</image:title>
    </image:image>
    <lastmod>2026-08-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.heretomorrow.co/learn/replace-insurance</loc>
    <image:image>
      <image:loc>https://www.heretomorrow.co/api/og/replace-insurance?title=Replace+Insurance+With+Parametric+Swaps&amp;label=Tomorrow+Learn&amp;tags=Insurance%2C+Parametric+Swaps</image:loc>
      <image:title>Replace Insurance With Parametric Swaps</image:title>
    </image:image>
    <lastmod>2026-08-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.heretomorrow.co/learn/event-options</loc>
    <image:image>
      <image:loc>https://www.heretomorrow.co/api/og/event-options?title=Event-Contract+Options+Guide&amp;label=Tomorrow+Learn&amp;tags=Options%2C+Market+Making</image:loc>
      <image:title>Event-Contract Options Guide</image:title>
    </image:image>
    <lastmod>2026-08-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.heretomorrow.co/learn/a2a</loc>
    <image:image>
      <image:loc>https://www.heretomorrow.co/api/og/a2a?title=Agent-to-Agent+Risk+Economy+Guide&amp;label=Tomorrow+Learn&amp;tags=AI+Agents%2C+Bilateral+OTC</image:loc>
      <image:title>Agent-to-Agent Risk Economy Guide</image:title>
    </image:image>
    <lastmod>2026-08-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.heretomorrow.co/learn/capacity-cloud</loc>
    <image:image>
      <image:loc>https://www.heretomorrow.co/api/og/capacity-cloud?title=Capacity+Cloud+Guide&amp;label=Tomorrow+Learn&amp;tags=Capacity%2C+Bilateral+OTC</image:loc>
      <image:title>Capacity Cloud Guide</image:title>
    </image:image>
    <lastmod>2026-08-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.heretomorrow.co/learn/risk-oracle</loc>
    <image:image>
      <image:loc>https://www.heretomorrow.co/api/og/risk-oracle?title=Risk+Oracle+Guide&amp;label=Tomorrow+Learn&amp;tags=Risk+Intelligence%2C+Privacy</image:loc>
      <image:title>Risk Oracle Guide</image:title>
    </image:image>
    <lastmod>2026-08-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.heretomorrow.co/learn/settlement-rails</loc>
    <image:image>
      <image:loc>https://www.heretomorrow.co/api/og/settlement-rails?title=Settlement+Rails+Guide&amp;label=Tomorrow+Learn&amp;tags=Settlement%2C+OTC</image:loc>
      <image:title>Settlement Rails Guide</image:title>
    </image:image>
    <lastmod>2026-08-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.heretomorrow.co/learn/simulacrum</loc>
    <image:image>
      <image:loc>https://www.heretomorrow.co/api/og/simulacrum?title=Simulacrum+Digital+Twin+Guide&amp;label=Tomorrow+Learn&amp;tags=Digital+Twin%2C+Autonomy</image:loc>
      <image:title>Simulacrum Digital Twin Guide</image:title>
    </image:image>
    <lastmod>2026-08-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Legal -->
  <url>
    <loc>https://www.heretomorrow.co/legal/risk-disclosure</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.heretomorrow.co/legal/terms-of-service</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.heretomorrow.co/legal/privacy-policy</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>
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