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  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/billing/fees/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/create</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/get</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/delete</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/update</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/activate</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/deactivate</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/create-signing-secret</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/rotate-signing-secret</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/get-history</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/list-deliveries</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/events/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/events/get</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/events/get-history</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/events/list-deliveries</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/exchanges/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/exchanges/get</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/trigger-events/replace</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/trigger-events/remove</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/trigger-events/add</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/filter-identifiers/replace</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/filter-identifiers/remove</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/filter-identifiers/add</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/verification/initialize</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/verification/verify</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/tasks/get</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/platform/tasks/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/business/business-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/business/business-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/business-entity/business-entity-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/business-entity/business-entity-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/business-entity/business-entity-kyb-approved-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/business-entity/business-entity-kyb-declined-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/user/user-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/user/user-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/account/account-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/account/account-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/account/account-deletion-initialized-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/account/account-deletion-completed-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/account/account-low-balance-alert-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/linked-account/linked-account-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/linked-account/linked-account-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/cardholder/cardholder-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/cardholder/cardholder-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/cardholder/cardholder-deletion-initialized-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/cardholder/cardholder-deletion-completed-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/card/card-issued-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/card/card-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/card/card-terminated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/card-product/card-product-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/card-product/card-product-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/spend-control/spend-control-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/spend-control/spend-control-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/spend-control/spend-control-deleted-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/transaction/transaction-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/transaction/transaction-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/ledger-entry/ledger-entry-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/fee/fee-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/fee/fee-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/task/task-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/task/task-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing</loc>
    <lastmod>2026-10-01T10:11:01.285Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/cards-and-cardholders</loc>
    <lastmod>2026-10-01T12:38:35.161Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/issuing-a-card</loc>
    <lastmod>2026-10-01T10:11:01.285Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cards/get</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cards/terminate</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cards/update</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cards/list</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cards/get-history</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cards/activate</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cards/deactivate</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cards/reveal-payment-details</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cards/get-art</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cards/virtual/create</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cards/spend-control/assign</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cards/spend-control/remove</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cards/ledger/list</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cards/transactions/list</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cardholders/get</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cardholders/terminate</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cardholders/update</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cardholders/list</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cardholders/get-history</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cardholders/activate</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cardholders/deactivate</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cardholders/individual/create</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cardholders/corporate/create</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cardholders/spend-control/assign</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cardholders/spend-control/remove</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cardholders/ledger/list</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/cardholders/transactions/list</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/products-bi-ns/get</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/products-bi-ns/list</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/products-bi-ns/bins/get</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/products-bi-ns/bins/list-ranges</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/issuing/api-reference/products-bi-ns/bins/get-range</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/spend-controls</loc>
    <lastmod>2026-10-01T10:11:01.285Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/spend-controls/rule-applicability</loc>
    <lastmod>2026-10-01T10:11:01.285Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/spend-controls/missing-transaction-details</loc>
    <lastmod>2026-10-01T10:11:01.285Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/spend-controls/transaction-amount-rules</loc>
    <lastmod>2026-10-01T10:11:01.285Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/spend-controls/velocity-rules</loc>
    <lastmod>2026-10-01T10:11:01.285Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/spend-controls/merchant-rules</loc>
    <lastmod>2026-10-01T10:11:01.285Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/spend-controls/geographic-rules</loc>
    <lastmod>2026-10-01T10:11:01.285Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/spend-controls/currency-rules</loc>
    <lastmod>2026-10-01T10:11:01.285Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/spend-controls/processing-rules</loc>
    <lastmod>2026-10-01T10:11:01.285Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/spend-controls/live-decisioning-rules</loc>
    <lastmod>2026-10-01T10:11:01.285Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/spend-controls/setting-spend-controls</loc>
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  <url>
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  <url>
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  <url>
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  <url>
    <loc>https://docs.thepennyinc.com/platform/webhook-event-types</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/platform/webhooks-event-catalog</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/platform/webhook-authorization</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/platform/webhook-hmac</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/platform/webhooks-live-decisioning</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/platform/subscribing-to-webhooks</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/simulation</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/simulation/simulation-scenarios</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/simulation/simulating-a-card-purchase</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/simulation/api-reference/transactions/update</loc>
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    <loc>https://docs.thepennyinc.com/simulation/api-reference/transactions/card/create</loc>
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  <url>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/authentication/create-token</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/business/entities/get-default</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/business/profile/get</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/business/spend-control/assign</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/business/spend-control/remove</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/configuration/defaults/get</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/configuration/programs/get-default</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/users/list</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/users/create</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/users/get</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/users/delete</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/users/update</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/users/activate</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/users/deactivate</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/users/roles/attach</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/users/roles/detach</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/users/permissions/attach</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/users/permissions/detach</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/roles/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/roles/create</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/roles/get</loc>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/roles/delete</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/roles/update</loc>
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  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/roles/activate</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/roles/deactivate</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
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  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/roles/presets/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/roles/presets/get</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/roles/permissions/attach</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/roles/permissions/detach</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/applications/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/applications/create</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/applications/get</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/applications/delete</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/applications/update</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/applications/activate</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/applications/deactivate</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/applications/rotate-secret</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/applications/roles/attach</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/applications/roles/detach</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/applications/permissions/attach</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/access/applications/permissions/detach</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/capital/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/capital/create</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/capital/get</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/capital/delete</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/capital/update</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/capital/transfer</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/capital/activate</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/capital/deactivate</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/capital/auto-top-up/remove</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/capital/auto-top-up/update</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/capital/low-balance-alert/remove</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/capital/low-balance-alert/update</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/capital/spend-control/assign</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/capital/spend-control/remove</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/capital/ledger/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/capital/transactions/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/control/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/control/create</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/control/get</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/control/delete</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/control/update</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/control/activate</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/control/deactivate</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/control/spend-control/assign</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/control/spend-control/remove</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/control/ledger/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/control/transactions/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/linked/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/linked/create</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/linked/get</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/accounts/linked/delete</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/treasury/ledger/get</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/treasury/ledger/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/treasury/transactions/list-by-client-reference</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/treasury/transactions/get</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/treasury/transactions/get-events</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/treasury/transactions/get-history</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/treasury/transactions/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/spend-controls/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/spend-controls/create</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/spend-controls/list-rule-types</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/spend-controls/get</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/spend-controls/delete</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/spend-controls/update-rules</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/spend-controls/delete-rule</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/spend-controls/activate</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/spend-controls/deactivate</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/spend-controls/associations/get-by-associated-object</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/spend-controls/associations/remove</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/spend-controls/associations/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/billing/fees/get</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/billing/fees/get-events</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/billing/fees/get-history</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/billing/fees/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/create</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/get</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/delete</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/update</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/activate</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/deactivate</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/create-signing-secret</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/rotate-signing-secret</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/get-history</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/list-deliveries</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/events/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/events/get</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/events/get-history</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/events/list-deliveries</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/exchanges/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/exchanges/get</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/trigger-events/replace</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/trigger-events/remove</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/trigger-events/add</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/filter-identifiers/replace</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/filter-identifiers/remove</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/filter-identifiers/add</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/verification/initialize</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/notifications/webhooks/verification/verify</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/tasks/get</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/platform/tasks/list</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/business/business-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/business/business-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/business-entity/business-entity-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/business-entity/business-entity-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/business-entity/business-entity-kyb-approved-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/business-entity/business-entity-kyb-declined-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/user/user-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/user/user-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/account/account-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/account/account-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/account/account-deletion-initialized-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/account/account-deletion-completed-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/account/account-low-balance-alert-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/linked-account/linked-account-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/linked-account/linked-account-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/cardholder/cardholder-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/cardholder/cardholder-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/cardholder/cardholder-deletion-initialized-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/cardholder/cardholder-deletion-completed-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/card/card-issued-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/card/card-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/card/card-terminated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/card-product/card-product-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/card-product/card-product-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/spend-control/spend-control-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/spend-control/spend-control-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/spend-control/spend-control-deleted-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/transaction/transaction-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/transaction/transaction-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/ledger-entry/ledger-entry-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/fee/fee-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/fee/fee-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/task/task-created-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-banking/webhook-payloads/task/task-updated-webhook</loc>
    <lastmod>2026-10-01T13:50:11.662Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cards/get</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cards/terminate</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cards/update</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cards/list</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cards/get-history</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cards/activate</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cards/deactivate</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cards/reveal-payment-details</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cards/get-art</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cards/virtual/create</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cards/spend-control/assign</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cards/spend-control/remove</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cards/ledger/list</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cards/transactions/list</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cardholders/get</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cardholders/terminate</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cardholders/update</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cardholders/list</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cardholders/get-history</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cardholders/activate</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cardholders/deactivate</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cardholders/individual/create</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cardholders/corporate/create</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cardholders/spend-control/assign</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cardholders/spend-control/remove</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cardholders/ledger/list</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/cardholders/transactions/list</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/products-bi-ns/get</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/products-bi-ns/list</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/products-bi-ns/bins/get</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/products-bi-ns/bins/list-ranges</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-issuing/products-bi-ns/bins/get-range</loc>
    <lastmod>2026-10-01T13:48:33.386Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-simulation/transactions/update</loc>
    <lastmod>2026-10-01T12:46:44.980Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-simulation/transactions/card/create</loc>
    <lastmod>2026-10-01T12:46:44.980Z</lastmod>
  </url>
  <url>
    <loc>https://docs.thepennyinc.com/api-reference/penny-simulation/transactions/payment/create</loc>
    <lastmod>2026-10-01T12:46:44.980Z</lastmod>
  </url>
</urlset>
