<?xml version="1.0" encoding="UTF-8"?>
<!--
  Sitemap for the /user/ app. Deployed from public/, so it is served at
  https://app.cardify.co/user/sitemap.xml and is therefore only allowed to list
  URLs under /user/ — which is exactly its scope.

  Contents: the three indexable auth routes plus the whole public storefront.
  Deliberately ABSENT:
    - /user/auth/{reset-password,verify,verification,complete-registration}
      one-shot token/step pages shipping noindex, follow (src/auth/seo.js)
    - /user/store/{checkout,account,track}  session/order-scoped, noindex
      (src/store/seo.js)
    - /user/dash/*  session-gated; noindex on every route (src/dash/seo.js)
  Listing any of those would contradict the noindex the page itself serves.

  Product and collection URLs are derived from src/store/data/products.js —
  when that catalogue changes, this file must be regenerated to match.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- Auth -->
  <url>
    <loc>https://app.cardify.co/user/auth/login</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/auth/login"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/auth/login"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/auth/register</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/auth/register"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/auth/register"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/auth/forgot-password</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/auth/forgot-password"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/auth/forgot-password"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Storefront -->
  <url>
    <loc>https://app.cardify.co/user/store</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/products</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/products"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/products"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/collections</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/collections"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/collections"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/faq</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/faq"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/faq"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Collections -->
  <url>
    <loc>https://app.cardify.co/user/store/collections/digital-business-cards</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/collections/digital-business-cards"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/collections/digital-business-cards"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/collections/debit-cards</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/collections/debit-cards"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/collections/debit-cards"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/collections/cardify-products</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/collections/cardify-products"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/collections/cardify-products"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/collections/gadgets</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/collections/gadgets"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/collections/gadgets"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/collections/combo-sales</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/collections/combo-sales"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/collections/combo-sales"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Products -->
  <url>
    <loc>https://app.cardify.co/user/store/products/pvc-digital-business-card</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/products/pvc-digital-business-card"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/products/pvc-digital-business-card"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/products/bamboo-digital-business-card</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/products/bamboo-digital-business-card"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/products/bamboo-digital-business-card"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/products/metal-digital-business-card</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/products/metal-digital-business-card"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/products/metal-digital-business-card"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/products/verve-physical-naira-debit-card</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/products/verve-physical-naira-debit-card"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/products/verve-physical-naira-debit-card"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/products/cardify-signature-tee</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/products/cardify-signature-tee"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/products/cardify-signature-tee"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/products/cardify-signature-polo</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/products/cardify-signature-polo"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/products/cardify-signature-polo"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/products/cardify-signature-hoodie</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/products/cardify-signature-hoodie"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/products/cardify-signature-hoodie"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/products/cardify-signature-powerbank</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/products/cardify-signature-powerbank"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/products/cardify-signature-powerbank"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/products/cardify-signature-snapback</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/products/cardify-signature-snapback"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/products/cardify-signature-snapback"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/products/networker-starter-kit</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/products/networker-starter-kit"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/products/networker-starter-kit"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/products/tech-professional-bundle</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/products/tech-professional-bundle"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/products/tech-professional-bundle"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/products/cardify-merch-trio</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/products/cardify-merch-trio"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/products/cardify-merch-trio"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Policies -->
  <url>
    <loc>https://app.cardify.co/user/store/policies/shipping</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/policies/shipping"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/policies/shipping"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/policies/returns</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/policies/returns"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/policies/returns"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/policies/terms</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/policies/terms"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/policies/terms"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/policies/privacy</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/policies/privacy"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/policies/privacy"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://app.cardify.co/user/store/policies/legal</loc>
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://app.cardify.co/user/store/policies/legal"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://app.cardify.co/user/store/policies/legal"/>
    <lastmod>2026-07-28</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
