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    <loc>https://docs.yapily.com/api-reference/application-beneficiaries/create-application-beneficiary</loc>
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    <loc>https://docs.yapily.com/api-reference/application-beneficiaries/delete-application-beneficiary-by-id</loc>
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    <loc>https://docs.yapily.com/api-reference/application-beneficiaries/get-all-application-beneficiaries</loc>
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    <loc>https://docs.yapily.com/api-reference/application-beneficiaries/get-application-beneficiary-by-id</loc>
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    <loc>https://docs.yapily.com/api-reference/application-management/create-application-vrp-configuration-by-application-id</loc>
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    <loc>https://docs.yapily.com/api-reference/application-management/creates-a-sub-application-for-the-root-application-id-provided-in-the-authentication-token</loc>
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    <loc>https://docs.yapily.com/api-reference/application-management/delete-an-application</loc>
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    <loc>https://docs.yapily.com/api-reference/application-management/get-application-details</loc>
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  <url>
    <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/retrieve-sub-applications-for-the-root-application-provided-in-the-authentication-token</loc>
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    <loc>https://docs.yapily.com/api-reference/application-management/update-an-application</loc>
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  <url>
    <loc>https://docs.yapily.com/api-reference/application-management/update-application-vrp-configuration-by-application-id</loc>
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  <url>
    <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-account-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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  <url>
    <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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  <url>
    <loc>https://docs.yapily.com/api-reference/authorisations/create-pre-authorisation</loc>
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  <url>
    <loc>https://docs.yapily.com/api-reference/authorisations/re-authorise-account-consent</loc>
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  <url>
    <loc>https://docs.yapily.com/api-reference/authorisations/update-account-pre-authorisation</loc>
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  <url>
    <loc>https://docs.yapily.com/api-reference/authorisations/update-embedded-account-authorisation</loc>
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  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/authorisations/update-embedded-bulk-payment-authorisation</loc>
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  <url>
    <loc>https://docs.yapily.com/api-reference/authorisations/update-embedded-payment-authorisation</loc>
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    <loc>https://docs.yapily.com/api-reference/authorisations/update-payment-pre-authorisation</loc>
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    <loc>https://docs.yapily.com/api-reference/consents/delete-consent</loc>
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  <url>
    <loc>https://docs.yapily.com/api-reference/consents/exchange-oauth2-code</loc>
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  <url>
    <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/consents/get-consent</loc>
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    <loc>https://docs.yapily.com/api-reference/consents/get-consents</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/constraints/get-payment-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>
    <lastmod>2026-02-14T13:25:55.368Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/financial-data/get-account</loc>
    <lastmod>2026-02-14T13:25:54.604Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/financial-data/get-account-balances</loc>
    <lastmod>2026-02-14T13:25:54.620Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/financial-data/get-account-beneficiaries</loc>
    <lastmod>2026-02-14T13:25:54.637Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/financial-data/get-account-direct-debits</loc>
    <lastmod>2026-02-14T13:25:54.654Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/financial-data/get-account-periodic-payments</loc>
    <lastmod>2026-02-14T13:25:54.671Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/financial-data/get-account-scheduled-payments</loc>
    <lastmod>2026-02-14T13:25:54.688Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/financial-data/get-account-statement</loc>
    <lastmod>2026-02-14T13:25:54.722Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/financial-data/get-account-statement-file</loc>
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  <url>
    <loc>https://docs.yapily.com/api-reference/financial-data/get-account-statements</loc>
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  <url>
    <loc>https://docs.yapily.com/api-reference/financial-data/get-account-transactions</loc>
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  <url>
    <loc>https://docs.yapily.com/api-reference/financial-data/get-accounts</loc>
    <lastmod>2026-02-14T13:25:54.587Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/financial-data/get-identity</loc>
    <lastmod>2026-02-14T13:25:55.014Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/financial-data/get-real-time-account-transactions</loc>
    <lastmod>2026-02-14T13:25:55.352Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/hosted-consent-pages/create-hosted-consent-request</loc>
    <lastmod>2026-02-14T13:25:55.439Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/hosted-consent-pages/get-hosted-consent-request</loc>
    <lastmod>2026-02-14T13:25:55.451Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/hosted-payment-pages/check-funds-availability</loc>
    <lastmod>2026-02-14T13:25:55.582Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/hosted-payment-pages/create-hosted-payment-request</loc>
    <lastmod>2026-02-14T13:25:55.467Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/hosted-payment-pages/create-pay-by-link</loc>
    <lastmod>2026-02-14T13:25:55.483Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/hosted-payment-pages/create-vrp-consent</loc>
    <lastmod>2026-02-14T13:25:55.519Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/hosted-payment-pages/create-vrp-payment</loc>
    <lastmod>2026-02-14T13:25:55.556Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/hosted-payment-pages/get-hosted-payment-request</loc>
    <lastmod>2026-02-14T13:25:55.495Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/hosted-payment-pages/get-hosted-vrp-consent-request</loc>
    <lastmod>2026-02-14T13:25:55.532Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/hosted-payment-pages/get-hosted-vrp-consent-requests</loc>
    <lastmod>2026-02-14T13:25:55.507Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/hosted-payment-pages/get-vrp-payment</loc>
    <lastmod>2026-02-14T13:25:55.569Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/hosted-payment-pages/revoke-hosted-vrp-consent-request</loc>
    <lastmod>2026-02-14T13:25:55.543Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/institutions/get-institution</loc>
    <lastmod>2026-02-14T13:25:55.039Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/institutions/get-institutions</loc>
    <lastmod>2026-02-14T13:25:55.027Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/introduction</loc>
    <lastmod>2026-02-18T07:30:43.308Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/notifications/create-event-subscription</loc>
    <lastmod>2026-02-14T13:25:55.231Z</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>2026-02-14T13:25:55.243Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/notifications/get-event-subscriptions</loc>
    <lastmod>2026-02-14T13:25:55.214Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/payments/create-bulk-payment</loc>
    <lastmod>2026-02-14T13:25:54.790Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/payments/create-payment</loc>
    <lastmod>2026-02-14T13:25:55.089Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/payments/get-bulk-payment-file-status</loc>
    <lastmod>2026-02-14T13:25:54.807Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/payments/get-payment-details</loc>
    <lastmod>2026-02-14T13:25:55.106Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/user-beneficiaries/approve-beneficiary</loc>
    <lastmod>2026-02-14T13:25:56.049Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/user-beneficiaries/create-beneficiary</loc>
    <lastmod>2026-02-14T13:25:55.990Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/user-beneficiaries/delete-user-beneficiary-by-id</loc>
    <lastmod>2026-02-14T13:25:56.017Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/user-beneficiaries/get-all-users-beneficiaries</loc>
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  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/user-beneficiaries/get-beneficiary-by-id</loc>
    <lastmod>2026-02-14T13:25:56.005Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/user-beneficiaries/patch-user-beneficiary</loc>
    <lastmod>2026-02-14T13:25:56.029Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/user-beneficiaries/reject-beneficiary</loc>
    <lastmod>2026-02-14T13:25:56.065Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/users/create-user</loc>
    <lastmod>2026-02-14T13:25:55.166Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/users/delete-user</loc>
    <lastmod>2026-02-14T13:25:55.191Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/api-reference/users/get-user</loc>
    <lastmod>2026-02-14T13:25:55.178Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/users/get-users</loc>
    <lastmod>2026-02-14T13:25:55.154Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/users/update-user</loc>
    <lastmod>2026-02-14T13:25:55.202Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/variable-recurring-payments/confirm-funds-for-variable-recurring-payment</loc>
    <lastmod>2026-02-14T13:25:55.319Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/variable-recurring-payments/create-sweeping-variable-recurring-payment-authorisation</loc>
    <lastmod>2026-02-14T13:25:55.272Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/variable-recurring-payments/create-variable-recurring-payment</loc>
    <lastmod>2026-02-14T13:25:55.289Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/variable-recurring-payments/get-sweeping-variable-recurring-payment-consent-details</loc>
    <lastmod>2026-02-14T13:25:55.301Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/variable-recurring-payments/get-variable-recurring-payment-details</loc>
    <lastmod>2026-02-14T13:25:55.336Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/webhooks/delete-webhook-event</loc>
    <lastmod>2026-02-14T13:25:55.868Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/webhooks/get-webhook-categories</loc>
    <lastmod>2026-02-14T13:25:55.794Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/webhooks/register-webhook-event</loc>
    <lastmod>2026-02-14T13:25:55.846Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/webhooks/reset-webhook-secret</loc>
    <lastmod>2026-02-14T13:25:55.906Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/api-reference/webhooks/retrieve-all-webhook-events</loc>
    <lastmod>2026-02-14T13:25:55.809Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/concepts/consent-lifecycle</loc>
    <lastmod>2026-02-18T17:38:15.272Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/concepts/hosted-vs-api</loc>
    <lastmod>2026-02-18T07:50:24.700Z</lastmod>
  </url>

  <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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  <url>
    <loc>https://docs.yapily.com/data/data-plus/categorisation-list</loc>
    <lastmod>2026-04-08T09:29:17.223Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/data/data-plus/overview</loc>
    <lastmod>2026-02-27T13:18:26.861Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/data/data-plus/tutorial-categorisation</loc>
    <lastmod>2026-02-18T18:45:38.469Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/data/data-plus/tutorial-enrichment</loc>
    <lastmod>2026-02-08T09:57:08.371Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/data/financial-data-resources/accounts-and-balances</loc>
    <lastmod>2026-02-27T13:18:26.863Z</lastmod>
  </url>

  <url>
    <loc>https://docs.yapily.com/data/financial-data-resources/data-restrictions</loc>
    <lastmod>2026-02-27T13:18:26.865Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/institution-configurations/slovenia/Unicredit-SI</loc>
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  <url>
    <loc>https://docs.yapily.com/institution-configurations/spain/Redsys</loc>
    <lastmod>2026-04-13T16:07:06.355Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/institution-configurations/sweden/Skandia</loc>
    <lastmod>2026-04-13T16:07:06.354Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/institution-configurations/uk/AMEX</loc>
    <lastmod>2026-04-13T16:07:06.351Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/institution-configurations/uk/Airwallex</loc>
    <lastmod>2026-04-13T16:07:06.333Z</lastmod>
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  <url>
    <loc>https://docs.yapily.com/institution-configurations/uk/Allica-Bank</loc>
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  <url>
    <loc>https://docs.yapily.com/institution-configurations/uk/Allied-Irish-Bank</loc>
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  <url>
    <loc>https://docs.yapily.com/institution-configurations/uk/Bank-of-Ireland</loc>
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  <url>
    <loc>https://docs.yapily.com/institution-configurations/uk/Barclays</loc>
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    <loc>https://docs.yapily.com/institution-configurations/uk/Capital-On-Tap</loc>
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    <loc>https://docs.yapily.com/institution-configurations/uk/Cash-Plus</loc>
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    <loc>https://docs.yapily.com/institution-configurations/uk/Cater-Allen</loc>
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    <loc>https://docs.yapily.com/institution-configurations/uk/Chase-UK</loc>
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    <loc>https://docs.yapily.com/institution-configurations/uk/Chelsea-Building-Society</loc>
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    <loc>https://docs.yapily.com/institution-configurations/uk/Clydesdale-Bank</loc>
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    <loc>https://docs.yapily.com/institution-configurations/uk/Cumberland-Building-Society</loc>
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    <loc>https://docs.yapily.com/institution-configurations/uk/Danske-Bank-UK</loc>
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    <loc>https://docs.yapily.com/institution-configurations/uk/Engage-Bank</loc>
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    <loc>https://docs.yapily.com/institution-configurations/uk/First-Direct</loc>
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    <loc>https://docs.yapily.com/institution-configurations/uk/Forgerock-Open-Banking-Sandbox</loc>
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    <loc>https://docs.yapily.com/institution-configurations/uk/HSBC-Corporate</loc>
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    <loc>https://docs.yapily.com/institution-configurations/uk/Halifax</loc>
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    <loc>https://docs.yapily.com/institution-configurations/uk/Hellenic-Bank</loc>
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    <loc>https://docs.yapily.com/institution-configurations/uk/Hoares-Bank</loc>
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    <loc>https://docs.yapily.com/institution-configurations/uk/IBM-Open-Banking-Sandbox</loc>
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    <loc>https://docs.yapily.com/institution-configurations/uk/Lloyds</loc>
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