<?xml version="1.0" encoding="UTF-8"?>
<!--
  WIZER — Master Sitemap (SSOT)
  ─────────────────────────────────────────────────────────────
  Two domains, one sitemap:
    • https://wizer.co.il/       → Magazine (AGENT/WIRE, news, insights)
    • https://app.wizer.co.il/   → Product (WIZ app, /welcome gate, modules, markets)

  Governance:
    • Every public product CTA routes through /welcome (Welcome Gate SSOT).
    • Auth-only routes (/login, /signup, /command-center, /admin, /advisor-portal…)
      are Disallowed in robots.txt and MUST NOT appear here.
    • Article URLs are served by the dynamic sitemap:
      https://mkeqarrkzmetdkybryvz.supabase.co/functions/v1/sitemap-articles
    • lastmod updated on structural changes only. Keep alphabetical inside each group.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">

  <!-- ============================================================
       1. wizer.co.il  —  Magazine / AGENT·WIRE (public content)
       ============================================================ -->
  <url><loc>https://wizer.co.il/</loc>              <lastmod>2026-07-04</lastmod><changefreq>hourly</changefreq><priority>1.0</priority></url>
  <url><loc>https://wizer.co.il/news</loc>          <lastmod>2026-07-04</lastmod><changefreq>hourly</changefreq><priority>0.95</priority></url>
  <url><loc>https://wizer.co.il/agent-wire</loc>    <lastmod>2026-07-04</lastmod><changefreq>hourly</changefreq><priority>0.90</priority></url>
  <url><loc>https://wizer.co.il/insights</loc>      <lastmod>2026-07-04</lastmod><changefreq>daily</changefreq> <priority>0.85</priority></url>
  <url><loc>https://wizer.co.il/news/mortgage</loc> <lastmod>2026-07-04</lastmod><changefreq>daily</changefreq> <priority>0.80</priority></url>
  <url><loc>https://wizer.co.il/podcasts</loc>      <lastmod>2026-07-04</lastmod><changefreq>weekly</changefreq><priority>0.70</priority></url>
  <url><loc>https://wizer.co.il/about</loc>         <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.60</priority></url>
  <url><loc>https://wizer.co.il/pricing</loc>       <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.70</priority></url>
  <url><loc>https://wizer.co.il/welcome</loc>      <lastmod>2026-07-04</lastmod><changefreq>weekly</changefreq> <priority>0.95</priority></url>
  <url><loc>https://wizer.co.il/privacy-policy</loc><lastmod>2026-07-04</lastmod><changefreq>yearly</changefreq><priority>0.30</priority></url>
  <url><loc>https://wizer.co.il/terms-of-service</loc><lastmod>2026-07-04</lastmod><changefreq>yearly</changefreq><priority>0.30</priority></url>

  <!-- ------------------------------------------------------------
       1b. wizer.co.il/magazine — Builder Stack cover stories
       Include <image:image> for Google Images indexing.
       Auto-maintained by the wizer-builder-stack-fb-post skill.
       ------------------------------------------------------------ -->
  <url>
    <loc>https://wizer.co.il/magazine/cursor-ai-pair-programming-builder-stack-june-2026</loc>
    <lastmod>2026-06-22</lastmod><changefreq>monthly</changefreq><priority>0.75</priority>
    <image:image>
      <image:loc>https://mkeqarrkzmetdkybryvz.supabase.co/storage/v1/object/public/news-assets/fb-images%2F2026-06-22_cursor_branded_v2.jpg</image:loc>
      <image:title>Cursor — Builder Stack (WIZER)</image:title>
      <image:caption>כרטיס היברידי Builder Stack — Cursor AI pair programming</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://wizer.co.il/magazine/lovable-vibe-coding-revolution-june-2026</loc>
    <lastmod>2026-06-22</lastmod><changefreq>monthly</changefreq><priority>0.75</priority>
    <image:image>
      <image:loc>https://images.unsplash.com/photo-1517694712202-14dd9538aa97?w=1600&amp;q=80</image:loc>
      <image:title>Lovable — Builder Stack (WIZER)</image:title>
      <image:caption>כרטיס Builder Stack — Lovable vibe coding</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://wizer.co.il/magazine/vercel-builder-stack-june-2026</loc>
    <lastmod>2026-06-22</lastmod><changefreq>monthly</changefreq><priority>0.75</priority>
    <image:image>
      <image:loc>https://mkeqarrkzmetdkybryvz.supabase.co/storage/v1/object/public/media/fb-cards%2Fvercel-hybrid.jpg</image:loc>
      <image:title>Vercel — Builder Stack (WIZER)</image:title>
      <image:caption>כרטיס היברידי Builder Stack — Vercel: פריסה בשניות, שליטה לכל החיים</image:caption>
    </image:image>
  </url>

  <!-- ============================================================
       2. app.wizer.co.il  —  Product surfaces (public entry)
       Root always redirects to /welcome (Welcome Gate SSOT).
       ============================================================ -->
  <url><loc>https://app.wizer.co.il/</loc>        <lastmod>2026-07-04</lastmod><changefreq>weekly</changefreq><priority>1.00</priority></url>
  <url><loc>https://app.wizer.co.il/welcome</loc> <lastmod>2026-07-04</lastmod><changefreq>weekly</changefreq><priority>0.95</priority></url>
  <url><loc>https://app.wizer.co.il/pricing</loc> <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.70</priority></url>
  <url><loc>https://app.wizer.co.il/about</loc>   <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.60</priority></url>
  <url><loc>https://app.wizer.co.il/support</loc> <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.40</priority></url>
  <url><loc>https://app.wizer.co.il/privacy-policy</loc>  <lastmod>2026-07-04</lastmod><changefreq>yearly</changefreq><priority>0.30</priority></url>
  <url><loc>https://app.wizer.co.il/terms-of-service</loc><lastmod>2026-07-04</lastmod><changefreq>yearly</changefreq><priority>0.30</priority></url>

  <!-- ------------------------------------------------------------
       2b. Module hubs (public landings — auth required to run)
       ------------------------------------------------------------ -->
  <url><loc>https://app.wizer.co.il/modules/mortgage/new</loc>      <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://app.wizer.co.il/modules/mortgage/existing</loc> <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://app.wizer.co.il/modules/loans/new</loc>         <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.70</priority></url>
  <url><loc>https://app.wizer.co.il/modules/loans/existing</loc>    <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.70</priority></url>
  <url><loc>https://app.wizer.co.il/modules/pension/new</loc>       <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://app.wizer.co.il/modules/pension/existing</loc>  <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://app.wizer.co.il/modules/tax/basic</loc>         <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.65</priority></url>
  <url><loc>https://app.wizer.co.il/modules/tax/advanced</loc>      <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.65</priority></url>
  <url><loc>https://app.wizer.co.il/modules/global-real-estate</loc><lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.65</priority></url>

  <!-- ------------------------------------------------------------
       2c. Advisors (B2B)
       ------------------------------------------------------------ -->
  <url><loc>https://app.wizer.co.il/advisors</loc>     <lastmod>2026-07-04</lastmod><changefreq>weekly</changefreq><priority>0.80</priority></url>
  <url><loc>https://app.wizer.co.il/advisors/faq</loc> <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.50</priority></url>

  <!-- ------------------------------------------------------------
       2d. Markets & explorers
       ------------------------------------------------------------ -->
  <url><loc>https://app.wizer.co.il/stocks</loc>             <lastmod>2026-07-04</lastmod><changefreq>daily</changefreq> <priority>0.75</priority></url>
  <url><loc>https://app.wizer.co.il/bonds</loc>              <lastmod>2026-07-04</lastmod><changefreq>daily</changefreq> <priority>0.60</priority></url>
  <url><loc>https://app.wizer.co.il/crypto</loc>             <lastmod>2026-07-04</lastmod><changefreq>daily</changefreq> <priority>0.60</priority></url>
  <url><loc>https://app.wizer.co.il/trading</loc>            <lastmod>2026-07-04</lastmod><changefreq>daily</changefreq> <priority>0.60</priority></url>
  <url><loc>https://app.wizer.co.il/opportunities</loc>      <lastmod>2026-07-04</lastmod><changefreq>daily</changefreq> <priority>0.70</priority></url>
  <url><loc>https://app.wizer.co.il/real-estate-global</loc> <lastmod>2026-07-04</lastmod><changefreq>weekly</changefreq><priority>0.60</priority></url>
  <url><loc>https://app.wizer.co.il/learning-center</loc>    <lastmod>2026-07-04</lastmod><changefreq>weekly</changefreq><priority>0.60</priority></url>

  <!-- ------------------------------------------------------------
       2e. Campaign landings (paid traffic — low SEO priority)
       ------------------------------------------------------------ -->
  <url><loc>https://app.wizer.co.il/fb/pension</loc>   <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.50</priority></url>
  <url><loc>https://app.wizer.co.il/fb/mortgage</loc>  <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.50</priority></url>
  <url><loc>https://app.wizer.co.il/fb/loans</loc>     <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.50</priority></url>
  <url><loc>https://app.wizer.co.il/fb/fi-score</loc>  <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.50</priority></url>
  <url><loc>https://app.wizer.co.il/tiktok/mortgage</loc><lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.45</priority></url>
  <url><loc>https://app.wizer.co.il/tiktok/loans</loc>   <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.45</priority></url>
  <url><loc>https://app.wizer.co.il/tiktok/pension</loc> <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.45</priority></url>
  <url><loc>https://app.wizer.co.il/tiktok/tax</loc>     <lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.45</priority></url>

</urlset>
