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    <loc>https://docs.yapily.com/api-reference/application-management/get-application-details</loc>
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    <loc>https://docs.yapily.com/api-reference/application-management/get-application-vrp-configuration-by-application-id</loc>
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    <loc>https://docs.yapily.com/api-reference/application-management/update-application-vrp-configuration-by-application-id</loc>
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    <loc>https://docs.yapily.com/api-reference/authentication</loc>
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    <loc>https://docs.yapily.com/api-reference/authorisations/create-account-authorisation</loc>
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    <loc>https://docs.yapily.com/api-reference/authorisations/create-bulk-payment-authorisation</loc>
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    <loc>https://docs.yapily.com/api-reference/authorisations/create-embedded-bulk-payment-authorisation</loc>
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    <loc>https://docs.yapily.com/api-reference/authorisations/create-embedded-payment-authorisation</loc>
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    <loc>https://docs.yapily.com/api-reference/authorisations/create-payment-authorisation</loc>
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    <loc>https://docs.yapily.com/api-reference/authorisations/create-payment-pre-authorisation</loc>
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    <loc>https://docs.yapily.com/api-reference/authorisations/create-pre-authorisation</loc>
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    <loc>https://docs.yapily.com/api-reference/authorisations/re-authorise-account-consent</loc>
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    <loc>https://docs.yapily.com/api-reference/authorisations/update-account-pre-authorisation</loc>
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    <loc>https://docs.yapily.com/api-reference/authorisations/update-embedded-account-authorisation</loc>
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    <loc>https://docs.yapily.com/api-reference/authorisations/update-embedded-bulk-payment-authorisation</loc>
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    <loc>https://docs.yapily.com/api-reference/authorisations/update-embedded-payment-authorisation</loc>
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    <loc>https://docs.yapily.com/api-reference/consents/delete-consent</loc>
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    <loc>https://docs.yapily.com/api-reference/consents/exchange-oauth2-code</loc>
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    <loc>https://docs.yapily.com/api-reference/consents/exchange-one-time-token</loc>
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    <loc>https://docs.yapily.com/api-reference/consents/extend-consent</loc>
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    <loc>https://docs.yapily.com/api-reference/constraints/get-data-constraints-rules</loc>
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    <loc>https://docs.yapily.com/api-reference/data-plus/enrichment</loc>
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    <loc>https://docs.yapily.com/api-reference/data-plus/get-categorised-transactions-deprecated</loc>
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    <loc>https://docs.yapily.com/api-reference/data-plus/get-enrichment-labels</loc>
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    <loc>https://docs.yapily.com/api-reference/data-plus/get-enrichment-results</loc>
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    <loc>https://docs.yapily.com/api-reference/data-plus/transactions-and-enrichment</loc>
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    <loc>https://docs.yapily.com/api-reference/financial-data/get-account</loc>
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    <loc>https://docs.yapily.com/api-reference/financial-data/get-account-balances</loc>
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    <loc>https://docs.yapily.com/api-reference/financial-data/get-account-beneficiaries</loc>
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    <loc>https://docs.yapily.com/api-reference/financial-data/get-account-direct-debits</loc>
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    <loc>https://docs.yapily.com/api-reference/financial-data/get-account-periodic-payments</loc>
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    <loc>https://docs.yapily.com/api-reference/financial-data/get-account-scheduled-payments</loc>
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  <url>
    <loc>https://docs.yapily.com/api-reference/financial-data/get-account-statement</loc>
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    <loc>https://docs.yapily.com/api-reference/financial-data/get-account-statement-file</loc>
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    <loc>https://docs.yapily.com/api-reference/financial-data/get-account-transactions</loc>
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    <loc>https://docs.yapily.com/api-reference/financial-data/get-accounts</loc>
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    <loc>https://docs.yapily.com/api-reference/financial-data/get-identity</loc>
    <lastmod>2026-07-20T09:52:21.244Z</lastmod>
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    <loc>https://docs.yapily.com/api-reference/financial-data/get-real-time-account-transactions</loc>
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  <url>
    <loc>https://docs.yapily.com/api-reference/hosted-consent-pages/create-hosted-consent-request</loc>
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    <loc>https://docs.yapily.com/api-reference/hosted-consent-pages/get-hosted-consent-request</loc>
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    <loc>https://docs.yapily.com/api-reference/hosted-payment-pages/create-hosted-payment-request</loc>
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    <loc>https://docs.yapily.com/api-reference/hosted-payment-pages/create-pay-by-link</loc>
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    <loc>https://docs.yapily.com/api-reference/hosted-payment-pages/get-hosted-payment-request</loc>
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    <loc>https://docs.yapily.com/api-reference/hosted-vrp-pages/create-hosted-commercial-vrp-request</loc>
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    <loc>https://docs.yapily.com/api-reference/hosted-vrp-pages/get-hosted-commercial-vrp-request</loc>
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  <url>
    <loc>https://docs.yapily.com/api-reference/institutions/get-institution</loc>
    <lastmod>2026-07-20T09:52:21.261Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/institutions/get-institutions</loc>
    <lastmod>2026-07-20T09:52:21.252Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/introduction</loc>
    <lastmod>2026-07-02T08:54:50.790Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/notifications/create-event-subscription</loc>
    <lastmod>2026-07-20T09:52:21.413Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/notifications/delete-event-subscription</loc>
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  <url>
    <loc>https://docs.yapily.com/api-reference/notifications/get-event-subscription</loc>
    <lastmod>2026-07-20T09:52:21.421Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/notifications/get-event-subscriptions</loc>
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  <url>
    <loc>https://docs.yapily.com/api-reference/payments/create-bulk-payment</loc>
    <lastmod>2026-07-20T09:52:21.043Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/payments/create-payment</loc>
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  <url>
    <loc>https://docs.yapily.com/api-reference/payments/get-bulk-payment-file-status</loc>
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    <loc>https://docs.yapily.com/api-reference/payments/get-bulk-payment-status-details</loc>
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  <url>
    <loc>https://docs.yapily.com/api-reference/payments/get-payment-details</loc>
    <lastmod>2026-07-20T09:52:21.319Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/user-beneficiaries/approve-beneficiary</loc>
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  <url>
    <loc>https://docs.yapily.com/api-reference/user-beneficiaries/create-beneficiary</loc>
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    <loc>https://docs.yapily.com/api-reference/user-beneficiaries/delete-user-beneficiary-by-id</loc>
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    <loc>https://docs.yapily.com/api-reference/user-beneficiaries/get-all-users-beneficiaries</loc>
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  <url>
    <loc>https://docs.yapily.com/api-reference/user-beneficiaries/get-beneficiary-by-id</loc>
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  <url>
    <loc>https://docs.yapily.com/api-reference/user-beneficiaries/patch-user-beneficiary</loc>
    <lastmod>2026-07-20T09:52:21.912Z</lastmod>
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    <loc>https://docs.yapily.com/api-reference/user-beneficiaries/reject-beneficiary</loc>
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    <loc>https://docs.yapily.com/api-reference/users/create-user</loc>
    <lastmod>2026-07-20T09:52:21.364Z</lastmod>
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    <loc>https://docs.yapily.com/api-reference/users/delete-user</loc>
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    <loc>https://docs.yapily.com/api-reference/users/get-user</loc>
    <lastmod>2026-07-20T09:52:21.373Z</lastmod>
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    <loc>https://docs.yapily.com/api-reference/users/get-users</loc>
    <lastmod>2026-07-20T09:52:21.356Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/users/update-user</loc>
    <lastmod>2026-07-20T09:52:21.390Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/variable-recurring-payments/confirm-funds-for-vrp-payment</loc>
    <lastmod>2026-07-20T09:52:21.502Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/variable-recurring-payments/create-sweeping-vrp-authorisation</loc>
    <lastmod>2026-07-20T09:52:21.444Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/variable-recurring-payments/create-vrp-payment</loc>
    <lastmod>2026-07-20T09:52:21.516Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/variable-recurring-payments/get-commercial-vrp-consent-details</loc>
    <lastmod>2026-07-20T09:52:21.474Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/variable-recurring-payments/get-sweeping-vrp-consent-details</loc>
    <lastmod>2026-07-20T09:52:21.458Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/variable-recurring-payments/get-vrp-payment-details</loc>
    <lastmod>2026-07-20T09:52:21.530Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/webhooks/delete-webhook-event</loc>
    <lastmod>2026-07-20T09:52:21.813Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/webhooks/get-webhook-categories</loc>
    <lastmod>2026-07-20T09:52:21.781Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/webhooks/register-webhook-event</loc>
    <lastmod>2026-07-20T09:52:21.804Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/webhooks/reset-webhook-secret</loc>
    <lastmod>2026-07-20T09:52:21.826Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/webhooks/retrieve-all-webhook-events</loc>
    <lastmod>2026-07-20T09:52:21.790Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/concepts/consent-lifecycle</loc>
    <lastmod>2026-02-18T17:38:15.272Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/concepts/hosted-vs-api</loc>
    <lastmod>2026-02-18T07:50:24.700Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/concepts/licensing-and-registration</loc>
    <lastmod>2026-02-18T18:45:37.987Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/concepts/open-banking-101</loc>
    <lastmod>2026-02-18T08:07:37.800Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/concepts/payment-request-anatomy</loc>
    <lastmod>2026-02-18T07:30:43.309Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/data/data-plus/categorisation</loc>
    <lastmod>2026-04-08T09:29:17.217Z</lastmod>
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    <loc>https://docs.yapily.com/data/data-plus/categorisation-list</loc>
    <lastmod>2026-07-20T13:06:43.071Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/data/data-plus/overview</loc>
    <lastmod>2026-02-27T13:18:26.861Z</lastmod>
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    <loc>https://docs.yapily.com/data/data-plus/tutorial-categorisation</loc>
    <lastmod>2026-02-18T18:45:38.469Z</lastmod>
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    <loc>https://docs.yapily.com/data/data-plus/tutorial-enrichment</loc>
    <lastmod>2026-02-08T09:57:08.371Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/data/financial-data-resources/accounts-and-balances</loc>
    <lastmod>2026-02-27T13:18:26.863Z</lastmod>
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    <loc>https://docs.yapily.com/data/financial-data-resources/data-restrictions</loc>
    <lastmod>2026-02-27T13:18:26.865Z</lastmod>
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    <loc>https://docs.yapily.com/data/financial-data-resources/financial-data-consents</loc>
    <lastmod>2026-02-27T13:18:26.864Z</lastmod>
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    <loc>https://docs.yapily.com/data/financial-data-resources/financial-data-features</loc>
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    <loc>https://docs.yapily.com/data/financial-data-resources/pagination</loc>
    <lastmod>2026-02-27T13:18:26.866Z</lastmod>
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    <loc>https://docs.yapily.com/data/financial-data-resources/transaction-hash</loc>
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  <url>
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