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  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/accounts/accounts</loc>
    <lastmod>2026-08-05T19:28:10.384Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/activity/activity</loc>
    <lastmod>2026-08-05T19:28:10.397Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/beneficiaries/beneficiaries</loc>
    <lastmod>2026-08-05T19:28:10.410Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/beneficiaries/beneficiary-countries</loc>
    <lastmod>2026-08-05T19:28:10.435Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/beneficiaries/beneficiary-schemas</loc>
    <lastmod>2026-08-05T19:28:10.447Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/beneficiaries/create-beneficiary</loc>
    <lastmod>2026-08-05T19:28:10.423Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/beneficiaries/get-beneficiary</loc>
    <lastmod>2026-08-05T19:28:10.455Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/cards/card-reveal-session</loc>
    <lastmod>2026-08-05T19:28:10.873Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/cards/card-transactions</loc>
    <lastmod>2026-08-05T19:28:10.887Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/cards/cards</loc>
    <lastmod>2026-08-05T19:28:10.821Z</lastmod>
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  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/cards/close-card</loc>
    <lastmod>2026-08-05T19:28:10.849Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/cards/create-card</loc>
    <lastmod>2026-08-05T19:28:10.835Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/cards/freeze-card</loc>
    <lastmod>2026-08-05T19:28:10.861Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/cards/unfreeze-card</loc>
    <lastmod>2026-08-05T19:28:10.900Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/identity/create-confirmation-intent</loc>
    <lastmod>2026-08-05T19:28:10.913Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/identity/get-session</loc>
    <lastmod>2026-08-05T19:28:11.161Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/identity/logout</loc>
    <lastmod>2026-08-05T19:28:11.173Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/identity/public-config</loc>
    <lastmod>2026-08-05T19:28:11.140Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/kyc/create-kyc-session</loc>
    <lastmod>2026-08-05T19:28:10.938Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/kyc/kyc-status</loc>
    <lastmod>2026-08-05T19:28:10.927Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/mandates/create-mandate</loc>
    <lastmod>2026-08-05T19:28:10.962Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/mandates/execute-mandate</loc>
    <lastmod>2026-08-05T19:28:10.974Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/mandates/mandates</loc>
    <lastmod>2026-08-05T19:28:10.948Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/mandates/revoke-mandate</loc>
    <lastmod>2026-08-05T19:28:10.991Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/onboarding/disconnect-perflo-connection</loc>
    <lastmod>2026-08-05T19:28:11.117Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/onboarding/onboarding</loc>
    <lastmod>2026-08-05T19:28:11.006Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/onboarding/poll-perflo-connection</loc>
    <lastmod>2026-08-05T19:28:11.129Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/onboarding/start-perflo-connection</loc>
    <lastmod>2026-08-05T19:28:11.106Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/operations/get-operation</loc>
    <lastmod>2026-08-05T19:28:11.037Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/operations/list-operations</loc>
    <lastmod>2026-08-05T19:28:11.017Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/operations/poll-operation-approval</loc>
    <lastmod>2026-08-05T19:28:11.050Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/operator/ops-audit</loc>
    <lastmod>2026-08-05T19:28:11.063Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/operator/ops-mandates</loc>
    <lastmod>2026-08-05T19:28:11.074Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/operator/ops-operations</loc>
    <lastmod>2026-08-05T19:28:11.097Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/operator/ops-suspend-mandate</loc>
    <lastmod>2026-08-05T19:28:11.085Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/transfers/create-quote</loc>
    <lastmod>2026-08-05T19:28:11.151Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/api-reference/transfers/create-transfer</loc>
    <lastmod>2026-08-05T19:28:11.183Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/architecture/adapters</loc>
    <lastmod>2026-08-05T18:52:16.561Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/architecture/identity</loc>
    <lastmod>2026-08-05T18:52:13.807Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/architecture/overview</loc>
    <lastmod>2026-08-05T18:52:13.780Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/architecture/state-and-ledger</loc>
    <lastmod>2026-08-05T18:52:13.765Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/contributing/ci-and-reviews</loc>
    <lastmod>2026-08-05T18:52:13.764Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/contributing/license</loc>
    <lastmod>2026-08-05T18:52:13.780Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/contributing/setup</loc>
    <lastmod>2026-08-05T18:52:13.779Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/customize/branding</loc>
    <lastmod>2026-08-05T18:52:13.769Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/customize/currencies</loc>
    <lastmod>2026-08-05T18:52:13.769Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/customize/perflo-origins</loc>
    <lastmod>2026-08-05T18:52:13.760Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/deploy/auth0</loc>
    <lastmod>2026-08-05T18:52:13.767Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/deploy/dedicated-server</loc>
    <lastmod>2026-08-05T18:52:13.779Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/deploy/kubernetes</loc>
    <lastmod>2026-08-05T18:52:13.762Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/deploy/local-development</loc>
    <lastmod>2026-08-05T18:52:13.763Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/deploy/postgres-redis</loc>
    <lastmod>2026-08-05T18:52:13.768Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/deploy/prerequisites</loc>
    <lastmod>2026-08-05T18:52:13.760Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/deploy/tls-origins</loc>
    <lastmod>2026-08-05T18:52:13.766Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/deploy/vault</loc>
    <lastmod>2026-08-05T18:52:13.762Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/get-started/production-readiness</loc>
    <lastmod>2026-08-05T18:52:13.773Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/get-started/quickstart</loc>
    <lastmod>2026-08-05T18:52:13.758Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech</loc>
    <lastmod>2026-08-05T18:52:13.773Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/integrate/agent-mandates</loc>
    <lastmod>2026-08-05T18:52:13.756Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/integrate/authentication</loc>
    <lastmod>2026-08-05T18:52:13.766Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/integrate/confirmation-idempotency</loc>
    <lastmod>2026-08-05T18:52:13.764Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/integrate/webhooks</loc>
    <lastmod>2026-08-05T18:52:13.768Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/operate/audit</loc>
    <lastmod>2026-08-05T18:52:13.759Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/operate/backups-recovery</loc>
    <lastmod>2026-08-05T18:52:13.761Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/operate/health-metrics</loc>
    <lastmod>2026-08-05T18:52:13.733Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/operate/operator-console</loc>
    <lastmod>2026-08-05T18:52:13.771Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/operate/operator-required-cleanup</loc>
    <lastmod>2026-08-05T18:52:13.732Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/reference/adrs/0001-pnpm-monorepo-and-modular-monolith</loc>
    <lastmod>2026-08-05T18:52:13.771Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/reference/adrs/0002-canonical-neobank-api-over-perflo-adapters</loc>
    <lastmod>2026-08-05T18:52:13.728Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/reference/adrs/0003-auth0-bff-and-approved-client-oauth</loc>
    <lastmod>2026-08-05T18:52:13.729Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/reference/adrs/0004-perflo-credential-bridge-and-production-grant-gate</loc>
    <lastmod>2026-08-05T18:52:13.774Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/reference/adrs/0005-idempotent-financial-intents-and-reconciliation</loc>
    <lastmod>2026-08-05T18:52:13.756Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/reference/adrs/0006-fine-grained-autonomous-mandates</loc>
    <lastmod>2026-08-05T18:52:13.758Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/reference/adrs/0007-perflo-as-money-ledger-and-local-operational-state</loc>
    <lastmod>2026-08-05T18:52:13.726Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/reference/adrs/0008-customer-and-operations-frontend</loc>
    <lastmod>2026-08-05T18:52:13.757Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/reference/adrs/0009-kubernetes-vault-and-observability</loc>
    <lastmod>2026-08-05T18:52:13.731Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/reference/adrs/0010-neobank-owned-perflo-login-for-the-live-demo</loc>
    <lastmod>2026-08-05T18:52:13.730Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/reference/adrs/0011-single-origin-caddy-edge-for-the-dedicated-demo</loc>
    <lastmod>2026-08-05T18:52:13.725Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/reference/adrs/0012-live-adapter-and-asynchronous-provider-writes</loc>
    <lastmod>2026-08-05T18:52:13.728Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/reference/adrs/0013-money-objects-for-every-monetary-field</loc>
    <lastmod>2026-08-05T18:52:13.772Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/reference/adrs/0014-one-beneficiary-vocabulary</loc>
    <lastmod>2026-08-05T18:52:13.731Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/reference/adrs/0015-one-redirect-action-shape</loc>
    <lastmod>2026-08-05T18:52:13.770Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/reference/adrs/0016-tags-transitions-and-one-identity-read</loc>
    <lastmod>2026-08-05T18:52:13.727Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/reference/adrs/0017-persist-the-verification-status-the-provider-will-not-timestamp</loc>
    <lastmod>2026-08-05T18:52:13.730Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/reference/adrs/0018-bound-the-idempotency-window-and-name-a-replay</loc>
    <lastmod>2026-08-05T18:52:13.723Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/reference/environment-variables</loc>
    <lastmod>2026-08-05T18:52:13.726Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/reference/glossary</loc>
    <lastmod>2026-08-05T18:52:13.724Z</lastmod>
  </url>

  <url>
    <loc>https://docs.neobank.proofof.tech/security/model</loc>
    <lastmod>2026-08-05T18:52:13.724Z</lastmod>
  </url>
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