<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- Homepage / marketing landing -->
  <url>
    <loc>https://blackboard.fi/</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://blackboard.fi/" />
    <xhtml:link rel="alternate" hreflang="ja" href="https://blackboard.fi/?lang=ja" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://blackboard.fi/" />
    <lastmod>2026-05-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Marketing resources -->
  <url>
    <loc>https://blackboard.fi/blog</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://blackboard.fi/guide</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://blackboard.fi/support</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Perpetuals terminal (single canonical route — crypto / commodity /
       stocks are all picked via in-app market selectors, NOT URL paths) -->
  <url>
    <loc>https://blackboard.fi/perps</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Prediction markets -->
  <url>
    <loc>https://blackboard.fi/predict</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://blackboard.fi/predict/politics</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://blackboard.fi/predict/sports</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://blackboard.fi/predict/finance</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://blackboard.fi/predict/options</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Options -->
  <url>
    <loc>https://blackboard.fi/options</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Account / portfolio (canonical /me path; /portfolio/* are 301s) -->
  <url>
    <loc>https://blackboard.fi/me</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Rewards -->
  <url>
    <loc>https://blackboard.fi/rewards</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Legal -->
  <url>
    <loc>https://blackboard.fi/terms</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://blackboard.fi/privacy</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- /dataroom is intentionally excluded — gated investor content
       (matches the Disallow rule in robots.txt). -->

</urlset>
