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    <loc>https://orbytpay.com/rails/</loc>
    <lastmod>2026-06-24</lastmod>
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    <image:image>
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      <image:title>Payment Rails</image:title>
      <image:caption>Orbyt Pay payment rails unify wallets, cards, proximity taps and offline queues on one deterministic ledger — Ledger Moon. One integration, every way money moves.</image:caption>
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  <url>
    <loc>https://orbytpay.com/rails/wallets/</loc>
    <lastmod>2026-06-24</lastmod>
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    <priority>0.8</priority>
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Wallet Rail</image:title>
      <image:caption>Accept and disburse wallet payments on Orbyt Pay and Sentriom wallets. Instant settlement on Ledger Moon with full audit trails.</image:caption>
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  </url>
  <url>
    <loc>https://orbytpay.com/rails/cards/</loc>
    <lastmod>2026-06-24</lastmod>
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Card Rail</image:title>
      <image:caption>Accept debit and credit cards with tokenisation, 3-D Secure and smart retries. One API, unified settlement on Ledger Moon.</image:caption>
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  <url>
    <loc>https://orbytpay.com/rails/proximity/</loc>
    <lastmod>2026-06-24</lastmod>
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    <priority>0.75</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/rails/proximity/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Proximity Rail</image:title>
      <image:caption>In-person tap-to-pay via NFC and BLE. Retail, campus and transit payments that settle to the same Orbyt Pay ledger as online rails.</image:caption>
    </image:image>
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  <url>
    <loc>https://orbytpay.com/rails/offline-queue/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/rails/offline-queue/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Offline Queue Rail</image:title>
      <image:caption>The Offline Queue Protocol lets merchants accept payments with zero connectivity. Transactions sync and settle on reconnect — built for low-bandwidth markets.</image:caption>
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  </url>
  <url>
    <loc>https://orbytpay.com/rails/ledger-moon/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/rails/ledger-moon/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Ledger Moon</image:title>
      <image:caption>Ledger Moon is the single source of truth behind every Orbyt Pay rail. Append-only, hash-chained, auditable — zero drift by design.</image:caption>
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  <url>
    <loc>https://orbytpay.com/rails/auto-routing/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/rails/auto-routing/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Auto-Routing</image:title>
      <image:caption>Pass rail:auto and let Orbyt Pay route each payment to the optimal wallet, card, proximity or offline path — one API call.</image:caption>
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  </url>
  <url>
    <loc>https://orbytpay.com/merchants/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/merchants/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Merchants</image:title>
      <image:caption>Accept payments and settle to your account with verification, payout scheduling and a full audit trail on every cent. Built for businesses of every size.</image:caption>
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  <url>
    <loc>https://orbytpay.com/merchants/settlement/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/merchants/settlement/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Merchant Settlement</image:title>
      <image:caption>Understand how Orbyt Pay settles funds: capture, screening, ledger entry and payout — all on one deterministic source of truth.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/merchants/payouts/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/merchants/payouts/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Merchant Payouts</image:title>
      <image:caption>Automate disbursements to bank accounts and wallets with flexible schedules, holds and full reconciliation.</image:caption>
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  <url>
    <loc>https://orbytpay.com/merchants/onboarding/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/merchants/onboarding/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Merchant Onboarding</image:title>
      <image:caption>A streamlined KYC/KYB onboarding flow gets your business verified and accepting payments quickly and compliantly.</image:caption>
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  <url>
    <loc>https://orbytpay.com/merchants/dashboard/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/merchants/dashboard/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Merchant Dashboard</image:title>
      <image:caption>Monitor charges, payouts, balances and disputes in real time. Export reports and replay webhooks from one console.</image:caption>
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  </url>
  <url>
    <loc>https://orbytpay.com/pricing/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/pricing/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Pricing</image:title>
      <image:caption>Simple, transparent, usage-based pricing for Orbyt Pay. Pay for what you process across every rail — no hidden fees, no lock-in.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/security/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/security/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Security</image:title>
      <image:caption>How Orbyt Pay protects money and data: risk scoring, anomaly detection, encryption, tokenisation and a tamper-evident ledger.</image:caption>
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