<?xml version="1.0" encoding="UTF-8"?>
<!-- Root sitemap index — doctorpay.ir/sitemap.xml
     References sub-sitemaps; an index cannot hold page <url> entries, so static
     root pages live in sitemap-static.xml and the generated loan pages in /loan/sitemap.xml. -->
<sitemapindex xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <sitemap>
    <loc>https://doctorpay.ir/sitemap-static.xml</loc>
  </sitemap>
  <sitemap>
    <loc>https://doctorpay.ir/loan/sitemap.xml</loc>
  </sitemap>
  <!-- WordPress /blog manages its own sitemap; uncomment to surface it here:
  <sitemap>
    <loc>https://doctorpay.ir/blog/sitemap_index.xml</loc>
  </sitemap>
  -->
</sitemapindex>
