<?xml version="1.0" encoding="UTF-8"?>
<!-- lastmod is the one hint Google actually uses here to decide a page is worth
     recrawling. changefreq and priority are ignored, so they are gone. Update the
     homepage date whenever the page content changes. -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://ondemand.finance/</loc>
    <lastmod>2026-09-23</lastmod>
  </url>
  <url>
    <loc>https://ondemand.finance/privacy</loc>
    <lastmod>2026-08-10</lastmod>
  </url>
</urlset>
