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    <loc>https://docs.morapay.io/api-reference/business-qr</loc>
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  <url>
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  <url>
    <loc>https://docs.morapay.io/api-reference/disbursement</loc>
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  <url>
    <loc>https://docs.morapay.io/api-reference/payment-links</loc>
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  <url>
    <loc>https://docs.morapay.io/api-reference/payout-methods</loc>
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  <url>
    <loc>https://docs.morapay.io/api-reference/payout-rails</loc>
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  <url>
    <loc>https://docs.morapay.io/api-reference/products</loc>
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  <url>
    <loc>https://docs.morapay.io/api-reference/public-checkout</loc>
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  <url>
    <loc>https://docs.morapay.io/api-reference/quotes</loc>
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    <loc>https://docs.morapay.io/api-reference/transactions</loc>
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  <url>
    <loc>https://docs.morapay.io/api-reference/webhooks</loc>
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  <url>
    <loc>https://docs.morapay.io/concepts/payment-links</loc>
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  <url>
    <loc>https://docs.morapay.io/concepts/payouts-momo</loc>
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  <url>
    <loc>https://docs.morapay.io/concepts/subscriptions</loc>
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  <url>
    <loc>https://docs.morapay.io/developer-tools/idempotency</loc>
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  <url>
    <loc>https://docs.morapay.io/developer-tools/webhooks</loc>
    <lastmod>2026-07-05T20:51:01.496Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/errors/codes/api-bad-gateway</loc>
    <lastmod>2026-07-05T22:44:05.457Z</lastmod>
  </url>

  <url>
    <loc>https://docs.morapay.io/errors/codes/api-connection-failed</loc>
    <lastmod>2026-07-05T22:44:05.454Z</lastmod>
  </url>

  <url>
    <loc>https://docs.morapay.io/errors/codes/api-gateway-timeout</loc>
    <lastmod>2026-07-05T22:44:05.452Z</lastmod>
  </url>

  <url>
    <loc>https://docs.morapay.io/errors/codes/api-internal-error</loc>
    <lastmod>2026-07-05T22:44:05.452Z</lastmod>
  </url>

  <url>
    <loc>https://docs.morapay.io/errors/codes/api-proxy-core-unconfigured</loc>
    <lastmod>2026-07-05T22:44:05.456Z</lastmod>
  </url>

  <url>
    <loc>https://docs.morapay.io/errors/codes/api-proxy-core-unreachable</loc>
    <lastmod>2026-07-05T22:44:05.451Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/errors/codes/api-proxy-signing-unconfigured</loc>
    <lastmod>2026-07-05T22:44:05.450Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/errors/codes/api-rate-limited</loc>
    <lastmod>2026-07-05T22:44:05.453Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/errors/codes/api-service-unavailable</loc>
    <lastmod>2026-07-05T22:44:05.448Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/errors/codes/auth-forbidden</loc>
    <lastmod>2026-07-05T22:50:10.600Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/errors/codes/auth-keys-expired</loc>
    <lastmod>2026-07-05T22:50:10.599Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/errors/codes/auth-keys-invalid</loc>
    <lastmod>2026-07-05T22:50:10.606Z</lastmod>
  </url>

  <url>
    <loc>https://docs.morapay.io/errors/codes/auth-keys-legacy-unsupported</loc>
    <lastmod>2026-07-05T22:50:10.603Z</lastmod>
  </url>

  <url>
    <loc>https://docs.morapay.io/errors/codes/auth-keys-origin-not-allowed</loc>
    <lastmod>2026-07-05T22:50:10.601Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/errors/codes/auth-keys-revoked</loc>
    <lastmod>2026-07-05T22:50:10.592Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/errors/codes/auth-keys-secret-in-header</loc>
    <lastmod>2026-07-05T22:50:11.375Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/errors/codes/auth-signature-incomplete</loc>
    <lastmod>2026-07-05T22:50:11.372Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/errors/codes/auth-signature-invalid-timestamp</loc>
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  <url>
    <loc>https://docs.morapay.io/errors/codes/auth-signature-mismatch</loc>
    <lastmod>2026-07-05T22:50:11.373Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/errors/codes/auth-signature-timestamp-expired</loc>
    <lastmod>2026-07-05T22:50:11.375Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/errors/codes/auth-unauthorized</loc>
    <lastmod>2026-07-05T22:50:11.371Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/errors/codes/crypto-chain-unsupported</loc>
    <lastmod>2026-07-05T22:44:06.810Z</lastmod>
  </url>

  <url>
    <loc>https://docs.morapay.io/errors/codes/crypto-slippage-exceeded</loc>
    <lastmod>2026-07-05T22:44:06.813Z</lastmod>
  </url>

  <url>
    <loc>https://docs.morapay.io/errors/codes/kyb-blocked</loc>
    <lastmod>2026-07-05T22:44:06.809Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/errors/codes/kyb-forbidden</loc>
    <lastmod>2026-07-05T22:44:06.819Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/errors/codes/links-amount-below-minimum</loc>
    <lastmod>2026-07-05T22:44:06.817Z</lastmod>
  </url>

  <url>
    <loc>https://docs.morapay.io/errors/codes/links-slug-duplicate</loc>
    <lastmod>2026-07-05T22:44:06.810Z</lastmod>
  </url>

  <url>
    <loc>https://docs.morapay.io/errors/codes/payouts-clearing-refund-failed</loc>
    <lastmod>2026-07-05T22:44:06.818Z</lastmod>
  </url>

  <url>
    <loc>https://docs.morapay.io/errors/codes/payouts-momo-insufficient-balance</loc>
    <lastmod>2026-07-05T22:44:06.808Z</lastmod>
  </url>

  <url>
    <loc>https://docs.morapay.io/errors/codes/payouts-network-carrier-down</loc>
    <lastmod>2026-07-05T22:44:07.253Z</lastmod>
  </url>

  <url>
    <loc>https://docs.morapay.io/errors/codes/request-invalid</loc>
    <lastmod>2026-07-05T22:44:07.249Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/errors/codes/request-validation-failed</loc>
    <lastmod>2026-07-05T22:44:07.247Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/errors/codes/resource-conflict</loc>
    <lastmod>2026-07-05T22:44:07.252Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/errors/codes/resource-not-found</loc>
    <lastmod>2026-07-05T22:44:07.254Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/errors/error-handling</loc>
    <lastmod>2026-07-06T20:21:07.767Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/frontend-ui/custom-styling</loc>
    <lastmod>2026-07-05T20:51:01.493Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/frontend-ui/native-components</loc>
    <lastmod>2026-07-05T20:51:01.490Z</lastmod>
  </url>

  <url>
    <loc>https://docs.morapay.io/frontend-ui/react-hooks</loc>
    <lastmod>2026-07-05T20:51:01.492Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/getting-started/authentication</loc>
    <lastmod>2026-07-06T20:21:07.765Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/getting-started/environments</loc>
    <lastmod>2026-07-06T20:21:07.766Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/getting-started/quickstart</loc>
    <lastmod>2026-07-05T22:44:08.128Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/reference/banks-and-momo</loc>
    <lastmod>2026-07-06T02:34:50.622Z</lastmod>
  </url>

  <url>
    <loc>https://docs.morapay.io/reference/chains-and-tokens</loc>
    <lastmod>2026-07-05T20:51:03.700Z</lastmod>
  </url>

  <url>
    <loc>https://docs.morapay.io/reference/countries-and-fiat</loc>
    <lastmod>2026-07-06T02:34:50.635Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/reference/coverage</loc>
    <lastmod>2026-07-05T20:12:21.289Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/reference/disbursement-tokens</loc>
    <lastmod>2026-07-05T20:12:21.279Z</lastmod>
  </url>

  <url>
    <loc>https://docs.morapay.io/reference/fees-countries-taxes</loc>
    <lastmod>2026-07-05T21:10:04.454Z</lastmod>
  </url>

  <url>
    <loc>https://docs.morapay.io/reference/payout-timing</loc>
    <lastmod>2026-07-05T20:51:03.699Z</lastmod>
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  <url>
    <loc>https://docs.morapay.io/support/get-help</loc>
    <lastmod>2026-07-05T20:51:03.700Z</lastmod>
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