<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

    <!-- Homepage -->
    <url>
        <loc>https://fctr.io/</loc>
        <lastmod>2026-02-23</lastmod>
        <changefreq>weekly</changefreq>
        <priority>1.0</priority>
    </url>

    <!-- Products -->
    <url>
        <loc>https://fctr.io/ai-agent.html</loc>
        <lastmod>2026-02-23</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>

    <url>
        <loc>https://fctr.io/okta-mcp-server.html</loc>
        <lastmod>2026-02-23</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- Legal -->
    <url>
        <loc>https://fctr.io/pages/terms.html</loc>
        <lastmod>2026-02-23</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.4</priority>
    </url>

    <url>
        <loc>https://fctr.io/pages/privacy.html</loc>
        <lastmod>2026-02-23</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.4</priority>
    </url>

    <url>
        <loc>https://fctr.io/pages/security.html</loc>
        <lastmod>2026-02-23</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.5</priority>
    </url>

    <url>
        <loc>https://fctr.io/pages/dpa.html</loc>
        <lastmod>2026-02-23</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>

    <url>
        <loc>https://fctr.io/pages/trust.html</loc>
        <lastmod>2026-02-23</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>

</urlset>