<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:news="http://www.google.com/schemas/sitemap-news/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xmlns:video="http://www.google.com/schemas/sitemap-video/1.1">
    
  <url>
    <loc>https://docs.matocard.xyz/api-reference/account/history-plus-money-not-onchain-yet</loc>
    <lastmod>2026-10-04T16:09:28.314Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/api-reference/account/home-screen</loc>
    <lastmod>2026-10-04T16:09:28.208Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/api-reference/account/set-where-the-user-lives-onboarding</loc>
    <lastmod>2026-10-04T16:09:28.303Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/api-reference/account/start-identity-verification</loc>
    <lastmod>2026-10-04T16:09:28.335Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/api-reference/money/add-collateral-by-paying-in-idr-or-myr</loc>
    <lastmod>2026-10-04T16:09:28.380Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/api-reference/money/ausd-to-idr-in-a-bank-account</loc>
    <lastmod>2026-10-04T16:09:28.941Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/api-reference/money/pay-the-whole-debt-in-idr-or-myr</loc>
    <lastmod>2026-10-04T16:09:28.390Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/api-reference/money/send-ausd-to-anyone-gas-paid-by-the-relayer</loc>
    <lastmod>2026-10-04T16:09:28.400Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/api-reference/public/anyones-public-credit-record</loc>
    <lastmod>2026-10-04T16:09:28.089Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/api-reference/public/lock-an-exchange-rate-for-60-seconds</loc>
    <lastmod>2026-10-04T16:09:28.002Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/api-reference/public/server-and-database-are-up</loc>
    <lastmod>2026-10-04T16:09:27.919Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/api-reference/webhooks/didit:-verification-results</loc>
    <lastmod>2026-10-04T16:09:28.965Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/api-reference/webhooks/xendit:-payments-refunds-disputes-payouts</loc>
    <lastmod>2026-10-04T16:09:28.950Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/developers/amounts-and-quotes</loc>
    <lastmod>2026-10-04T14:54:54.351Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/developers/architecture</loc>
    <lastmod>2026-10-04T14:54:54.351Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/developers/authentication</loc>
    <lastmod>2026-10-04T14:54:54.350Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/developers/contract-calls</loc>
    <lastmod>2026-10-04T15:37:27.107Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/developers/gasless-sends</loc>
    <lastmod>2026-10-04T14:54:54.343Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/developers/indexer</loc>
    <lastmod>2026-10-04T15:37:27.111Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/developers/kyc-integration</loc>
    <lastmod>2026-10-04T14:54:54.347Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/developers/operations</loc>
    <lastmod>2026-10-04T14:54:54.348Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/developers/payments</loc>
    <lastmod>2026-10-04T14:54:54.354Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/developers/quickstart</loc>
    <lastmod>2026-10-04T14:54:54.352Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/developers/run-locally</loc>
    <lastmod>2026-10-04T14:54:54.355Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/guides/cash-out</loc>
    <lastmod>2026-10-04T14:54:54.346Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/guides/create-account</loc>
    <lastmod>2026-10-04T14:54:54.353Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/guides/credit-record</loc>
    <lastmod>2026-10-04T14:54:54.357Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/guides/send-money</loc>
    <lastmod>2026-10-04T14:54:54.352Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/guides/settle</loc>
    <lastmod>2026-10-04T14:54:54.362Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/guides/top-up</loc>
    <lastmod>2026-10-04T14:54:54.356Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/guides/verify-identity</loc>
    <lastmod>2026-10-04T14:54:54.354Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz</loc>
    <lastmod>2026-10-04T16:03:32.745Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/learn/card-hold</loc>
    <lastmod>2026-10-04T14:54:54.348Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/learn/collateral-and-yield</loc>
    <lastmod>2026-10-04T15:37:27.110Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/learn/credit-line</loc>
    <lastmod>2026-10-04T15:37:27.108Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/learn/credit-score</loc>
    <lastmod>2026-10-04T14:54:54.361Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/learn/defaults</loc>
    <lastmod>2026-10-04T14:54:54.327Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/learn/fx</loc>
    <lastmod>2026-10-04T14:54:54.328Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/learn/kyc</loc>
    <lastmod>2026-10-04T14:54:54.358Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/learn/lender-pool</loc>
    <lastmod>2026-10-04T15:37:27.109Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/learn/payment-gateway</loc>
    <lastmod>2026-10-04T14:54:54.357Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/learn/risks</loc>
    <lastmod>2026-10-04T14:54:54.345Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/learn/security</loc>
    <lastmod>2026-10-04T14:54:54.329Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/learn/trust-model</loc>
    <lastmod>2026-10-04T14:54:54.358Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/overview/faq</loc>
    <lastmod>2026-10-04T14:54:54.324Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/overview/fees-and-limits</loc>
    <lastmod>2026-10-04T14:54:54.323Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/overview/how-it-works</loc>
    <lastmod>2026-10-04T14:54:54.328Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/overview/roadmap</loc>
    <lastmod>2026-10-04T16:03:32.742Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/overview/supported</loc>
    <lastmod>2026-10-04T14:54:54.322Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/overview/user-flow</loc>
    <lastmod>2026-10-04T14:54:54.324Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/overview/why-onchain</loc>
    <lastmod>2026-10-04T14:54:54.326Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/resources/contracts</loc>
    <lastmod>2026-10-04T14:54:54.325Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/resources/glossary</loc>
    <lastmod>2026-10-04T14:54:54.322Z</lastmod>
  </url>

  <url>
    <loc>https://docs.matocard.xyz/resources/parameters</loc>
    <lastmod>2026-10-04T15:37:27.109Z</lastmod>
  </url>
</urlset>