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  <url><loc>https://stelo.co.ke/</loc><lastmod>2026-09-24</lastmod><changefreq>weekly</changefreq><priority>1.0</priority><image:image><image:loc>https://stelo.co.ke/assets/images/social/og-home.jpg</image:loc><image:caption>Stelo Kenya — digital credit with transparent limits and M-Pesa-first lending.</image:caption></image:image></url>
  <url><loc>https://stelo.co.ke/credit-products.html</loc><lastmod>2026-09-24</lastmod><changefreq>monthly</changefreq><priority>0.95</priority><image:image><image:loc>https://stelo.co.ke/assets/images/social/og-credit-products.jpg</image:loc><image:caption>Stelo credit products in Kenya — 1K to 75K tiers with transparent eligibility.</image:caption></image:image></url>
  <url><loc>https://stelo.co.ke/features.html</loc><lastmod>2026-09-24</lastmod><changefreq>monthly</changefreq><priority>0.90</priority><image:image><image:loc>https://stelo.co.ke/assets/images/social/og-features.jpg</image:loc><image:caption>Stelo platform features — credit profile, scoring, M-Pesa and privacy.</image:caption></image:image></url>
  <url><loc>https://stelo.co.ke/trust-credit.html</loc><lastmod>2026-09-24</lastmod><changefreq>monthly</changefreq><priority>0.85</priority><image:image><image:loc>https://stelo.co.ke/assets/images/social/og-trust-credit.jpg</image:loc><image:caption>Stelo trust-based credit — community and employer routes with responsible limits.</image:caption></image:image></url>
  <url><loc>https://stelo.co.ke/how-it-works.html</loc><lastmod>2026-09-24</lastmod><changefreq>monthly</changefreq><priority>0.90</priority><image:image><image:loc>https://stelo.co.ke/assets/images/social/og-how-it-works.jpg</image:loc><image:caption>How Stelo works — from credit profile to M-Pesa repayment.</image:caption></image:image></url>
  <url><loc>https://stelo.co.ke/credit-profile.html</loc><lastmod>2026-09-24</lastmod><changefreq>monthly</changefreq><priority>0.85</priority><image:image><image:loc>https://stelo.co.ke/assets/images/social/og-credit-profile.jpg</image:loc><image:caption>Stelo Credit Profile — financial context behind credit eligibility.</image:caption></image:image></url>
  <url><loc>https://stelo.co.ke/eligibility.html</loc><lastmod>2026-09-24</lastmod><changefreq>monthly</changefreq><priority>0.85</priority><image:image><image:loc>https://stelo.co.ke/assets/images/social/og-eligibility.jpg</image:loc><image:caption>Stelo eligibility and credit limits — understand your effective borrowing ceiling.</image:caption></image:image></url>
  <url><loc>https://stelo.co.ke/borrowing.html</loc><lastmod>2026-09-24</lastmod><changefreq>monthly</changefreq><priority>0.85</priority><image:image><image:loc>https://stelo.co.ke/assets/images/social/og-borrowing.jpg</image:loc><image:caption>Borrowing with Stelo — quote review, approval and M-Pesa disbursement.</image:caption></image:image></url>
  <url><loc>https://stelo.co.ke/repayments.html</loc><lastmod>2026-09-24</lastmod><changefreq>monthly</changefreq><priority>0.85</priority><image:image><image:loc>https://stelo.co.ke/assets/images/social/og-repayments.jpg</image:loc><image:caption>Stelo repayments — M-Pesa, STK Push and repayment history.</image:caption></image:image></url>
  <url><loc>https://stelo.co.ke/download.html</loc><lastmod>2026-09-24</lastmod><changefreq>weekly</changefreq><priority>0.95</priority><image:image><image:loc>https://stelo.co.ke/assets/images/social/og-download.jpg</image:loc><image:caption>Official Stelo Android APK download from stelo.co.ke.</image:caption></image:image></url>
  <url><loc>https://stelo.co.ke/about-us.html</loc><lastmod>2026-09-24</lastmod><changefreq>monthly</changefreq><priority>0.80</priority><image:image><image:loc>https://stelo.co.ke/assets/images/social/og-about.jpg</image:loc><image:caption>About Stelo — responsible digital credit built around financial context.</image:caption></image:image></url>
  <url><loc>https://stelo.co.ke/faq.html</loc><lastmod>2026-09-24</lastmod><changefreq>monthly</changefreq><priority>0.82</priority><image:image><image:loc>https://stelo.co.ke/assets/images/social/og-faq.jpg</image:loc><image:caption>Stelo frequently asked questions about credit, M-Pesa and privacy.</image:caption></image:image></url>
  <url><loc>https://stelo.co.ke/help.html</loc><lastmod>2026-09-24</lastmod><changefreq>monthly</changefreq><priority>0.82</priority><image:image><image:loc>https://stelo.co.ke/assets/images/social/og-help.jpg</image:loc><image:caption>Stelo Help Center — account, credit, M-Pesa and Android support.</image:caption></image:image></url>
  <url><loc>https://stelo.co.ke/contact-us.html</loc><lastmod>2026-09-24</lastmod><changefreq>monthly</changefreq><priority>0.70</priority><image:image><image:loc>https://stelo.co.ke/assets/images/social/og-contact.jpg</image:loc><image:caption>Contact Stelo for account, credit, M-Pesa, privacy and Android support.</image:caption></image:image></url>
  <url><loc>https://stelo.co.ke/privacy-policy.html</loc><lastmod>2026-09-24</lastmod><changefreq>monthly</changefreq><priority>0.65</priority><image:image><image:loc>https://stelo.co.ke/assets/images/social/og-privacy.jpg</image:loc><image:caption>Stelo Privacy Policy — personal, financial and M-Pesa-related data.</image:caption></image:image></url>
  <url><loc>https://stelo.co.ke/terms-of-service.html</loc><lastmod>2026-09-24</lastmod><changefreq>monthly</changefreq><priority>0.65</priority><image:image><image:loc>https://stelo.co.ke/assets/images/social/og-terms.jpg</image:loc><image:caption>Stelo Terms of Service — accounts, credit and repayments.</image:caption></image:image></url>
  <url><loc>https://stelo.co.ke/responsible-lending.html</loc><lastmod>2026-09-24</lastmod><changefreq>monthly</changefreq><priority>0.78</priority><image:image><image:loc>https://stelo.co.ke/assets/images/social/og-responsible-lending.jpg</image:loc><image:caption>Responsible lending at Stelo — affordability, clear limits and transparent quotes.</image:caption></image:image></url>
  <url><loc>https://stelo.co.ke/consent-data.html</loc><lastmod>2026-09-24</lastmod><changefreq>monthly</changefreq><priority>0.72</priority><image:image><image:loc>https://stelo.co.ke/assets/images/social/og-consent-data.jpg</image:loc><image:caption>Stelo Consent &amp; Data — financial signals and local Android analysis.</image:caption></image:image></url>
  <url><loc>https://stelo.co.ke/account-deletion.html</loc><lastmod>2026-09-24</lastmod><changefreq>monthly</changefreq><priority>0.68</priority><image:image><image:loc>https://stelo.co.ke/assets/images/social/og-account-deletion.jpg</image:loc><image:caption>Stelo account deletion — request closure and understand record retention.</image:caption></image:image></url>
  <url><loc>https://stelo.co.ke/complaints.html</loc><lastmod>2026-09-24</lastmod><changefreq>monthly</changefreq><priority>0.72</priority><image:image><image:loc>https://stelo.co.ke/assets/images/social/og-complaints.jpg</image:loc><image:caption>Stelo complaints — credit, payment, privacy and account disputes.</image:caption></image:image></url>
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