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  <url>
    <loc>https://docs.orum.io/api-reference/auth/post-oauth-token</loc>
    <lastmod>2026-02-26T01:03:03.236Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/balance/get-balance</loc>
    <lastmod>2026-01-07T06:41:27.834Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/balance/subledgers/get-subledger-balance</loc>
    <lastmod>2026-01-07T06:41:27.835Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/balance/subledgers/get-subledger-balances</loc>
    <lastmod>2026-01-07T06:41:27.832Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/booktransfers/get-booktransfer</loc>
    <lastmod>2026-01-07T06:41:27.833Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/booktransfers/get-booktransfers</loc>
    <lastmod>2026-01-07T06:41:27.836Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/booktransfers/post-booktransfer</loc>
    <lastmod>2026-01-07T06:41:27.837Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/businesses/delete-business</loc>
    <lastmod>2026-01-07T06:41:27.838Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/businesses/get-business</loc>
    <lastmod>2026-01-07T06:41:27.839Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/businesses/get-businesses</loc>
    <lastmod>2026-01-07T06:41:27.840Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/businesses/patch-business</loc>
    <lastmod>2026-01-07T06:41:28.080Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/businesses/post-business</loc>
    <lastmod>2026-01-07T06:41:28.083Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/businesses/put-business</loc>
    <lastmod>2026-01-07T06:41:28.078Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/businesses/put-business-using-reference-id</loc>
    <lastmod>2026-01-07T06:41:28.081Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/cards/delete-card</loc>
    <lastmod>2026-01-07T06:41:28.082Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/cards/get-card</loc>
    <lastmod>2026-01-07T06:41:28.079Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/cards/get-cards</loc>
    <lastmod>2026-01-07T06:41:28.086Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/cards/post-card</loc>
    <lastmod>2026-01-07T06:41:28.087Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/eligibility/get-eligibility</loc>
    <lastmod>2026-01-07T06:41:28.088Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/eligibility/post-eligibility</loc>
    <lastmod>2026-01-07T06:41:28.084Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/external-accounts/delete-external-account</loc>
    <lastmod>2026-01-07T06:41:28.367Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/external-accounts/get-business-external-accounts</loc>
    <lastmod>2026-01-07T06:41:28.375Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/external-accounts/get-external-account</loc>
    <lastmod>2026-01-07T06:41:28.372Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/external-accounts/get-external-accounts</loc>
    <lastmod>2026-01-07T06:41:28.370Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/external-accounts/get-person-external-accounts</loc>
    <lastmod>2026-01-07T06:41:28.369Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/external-accounts/patch-external-account</loc>
    <lastmod>2026-01-07T06:41:28.378Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/external-accounts/post-external-account</loc>
    <lastmod>2026-01-07T06:41:28.380Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/external-accounts/put-external-account</loc>
    <lastmod>2026-01-07T06:41:28.373Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/external-accounts/put-external-account-using-reference-id</loc>
    <lastmod>2026-01-07T06:41:28.371Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/persons/delete-person</loc>
    <lastmod>2026-01-07T06:41:28.377Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/persons/get-person</loc>
    <lastmod>2026-01-07T06:41:28.578Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/persons/get-persons</loc>
    <lastmod>2026-01-07T06:41:28.589Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/persons/patch-person</loc>
    <lastmod>2026-01-07T06:41:28.588Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/persons/post-person</loc>
    <lastmod>2026-01-07T06:41:28.584Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/persons/put-person</loc>
    <lastmod>2026-01-07T06:41:28.580Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/persons/put-person-using-reference-id</loc>
    <lastmod>2026-01-07T06:41:28.587Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/reports/delete-report</loc>
    <lastmod>2026-01-07T06:41:28.581Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/reports/get-report-download</loc>
    <lastmod>2026-01-07T06:41:28.583Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/reports/get-report-recon</loc>
    <lastmod>2026-01-07T06:41:28.586Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/reports/get-reports-balances</loc>
    <lastmod>2026-01-07T06:41:28.585Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/reports/get-reports-recon</loc>
    <lastmod>2026-01-07T06:41:28.834Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/reports/post-report-recon</loc>
    <lastmod>2026-01-07T06:41:28.829Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/schedules/delete-schedule</loc>
    <lastmod>2026-01-07T06:41:28.818Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/schedules/get-schedule</loc>
    <lastmod>2026-01-07T06:41:28.832Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/schedules/get-schedules</loc>
    <lastmod>2026-01-07T06:41:28.819Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/schedules/post-schedule</loc>
    <lastmod>2026-01-07T06:41:28.831Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/schedules/post-validate-rrule</loc>
    <lastmod>2026-01-07T06:41:28.835Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/subledgers/get-subledger</loc>
    <lastmod>2026-01-07T06:41:28.821Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/subledgers/get-subledgers</loc>
    <lastmod>2026-01-07T06:41:28.830Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/subledgers/post-subledger</loc>
    <lastmod>2026-01-07T06:41:28.820Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/transfer-groups/get-transfer-group</loc>
    <lastmod>2026-01-07T06:41:29.011Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/transfer-groups/get-transfer-groups</loc>
    <lastmod>2026-01-07T06:41:29.008Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/transfer-groups/post-transfer-group</loc>
    <lastmod>2026-01-07T06:41:29.016Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/transfers/get-transfer</loc>
    <lastmod>2026-01-07T06:41:29.009Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/transfers/get-transfer-history</loc>
    <lastmod>2026-01-07T06:41:29.000Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/transfers/get-transfers</loc>
    <lastmod>2026-01-07T06:41:29.005Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/transfers/patch-transfer-metadata</loc>
    <lastmod>2026-01-07T06:41:29.006Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/transfers/post-transfer</loc>
    <lastmod>2026-01-07T06:41:29.007Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/deliver/transfers/post-transfer-cancel</loc>
    <lastmod>2026-01-07T06:41:29.004Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/verify/get-verify-account</loc>
    <lastmod>2026-01-07T06:41:29.002Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/verify/get-verify-accounts</loc>
    <lastmod>2026-01-07T06:41:29.211Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/verify/post-verify-account-control</loc>
    <lastmod>2026-01-07T06:41:29.212Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/verify/post-verify-accounts</loc>
    <lastmod>2026-01-07T06:41:29.219Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/webhooks/delete-webhook-configurations</loc>
    <lastmod>2026-02-26T01:03:03.481Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/webhooks/event-types-and-payloads</loc>
    <lastmod>2026-01-07T06:41:29.214Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/webhooks/get-webhook-configurations</loc>
    <lastmod>2026-02-26T01:03:03.484Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/webhooks/get-webhook-secret</loc>
    <lastmod>2026-02-26T01:03:03.486Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/webhooks/overview</loc>
    <lastmod>2026-01-07T06:41:29.216Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/webhooks/post-invoke</loc>
    <lastmod>2026-02-26T01:03:03.483Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/webhooks/post-webhook-configuration</loc>
    <lastmod>2026-02-26T01:03:03.479Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/webhooks/post-webhook-secret</loc>
    <lastmod>2026-02-26T01:03:03.522Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/webhooks/put-webhook-configurations</loc>
    <lastmod>2026-02-26T01:03:03.519Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/api-reference/webhooks/secure-webhooks</loc>
    <lastmod>2026-01-07T06:41:29.633Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/changelog/product-updates</loc>
    <lastmod>2026-01-07T06:41:29.646Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/api-authentication</loc>
    <lastmod>2026-01-07T06:41:29.632Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/businesses-sandbox-environment</loc>
    <lastmod>2026-01-07T06:41:29.636Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/balance</loc>
    <lastmod>2026-01-07T06:41:29.626Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/businesses</loc>
    <lastmod>2026-01-07T06:41:29.629Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/cards</loc>
    <lastmod>2026-01-07T06:41:29.649Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/data-retention</loc>
    <lastmod>2026-01-07T06:41:29.653Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/errors</loc>
    <lastmod>2026-01-07T06:41:30.754Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/external-accounts</loc>
    <lastmod>2026-01-07T06:41:30.743Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/pagination</loc>
    <lastmod>2026-01-07T06:41:30.744Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/persons</loc>
    <lastmod>2026-01-07T06:41:30.751Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/rail-eligibility</loc>
    <lastmod>2026-01-07T06:41:30.749Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/rate-limits</loc>
    <lastmod>2026-01-07T06:41:30.748Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/resources</loc>
    <lastmod>2026-01-07T06:41:30.750Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/subledgers</loc>
    <lastmod>2026-01-07T06:41:30.752Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/transfers/cancellations</loc>
    <lastmod>2026-01-07T06:41:30.747Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/transfers/hold-times-and-funds-availability</loc>
    <lastmod>2026-01-07T06:41:30.745Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/transfers/network-reason-codes</loc>
    <lastmod>2026-01-07T06:41:31.599Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/transfers/payment-descriptors</loc>
    <lastmod>2026-01-07T06:41:31.591Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/transfers/processing-windows-and-cutoffs</loc>
    <lastmod>2026-01-07T06:41:31.590Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/transfers/returns-and-chargebacks</loc>
    <lastmod>2026-01-07T06:41:31.592Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/transfers/scheduling</loc>
    <lastmod>2026-01-07T06:41:31.596Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/transfers/speeds</loc>
    <lastmod>2026-01-07T06:41:31.597Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/deliver/transfers/transfers-overview</loc>
    <lastmod>2026-01-07T06:41:31.598Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/external-accounts-sandbox-environment</loc>
    <lastmod>2026-01-07T06:41:31.594Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/mcp-server</loc>
    <lastmod>2026-01-07T06:41:31.593Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/monitor/manage-resources</loc>
    <lastmod>2026-01-07T06:41:33.437Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/monitor/money-movement/cancellations</loc>
    <lastmod>2026-01-07T06:41:33.434Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/monitor/money-movement/payment-initiation</loc>
    <lastmod>2026-01-07T06:41:33.431Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/monitor/money-movement/scheduling</loc>
    <lastmod>2026-01-07T06:41:33.432Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/monitor/money-movement/top-ups</loc>
    <lastmod>2026-01-07T06:41:33.433Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/monitor/monitor-overview</loc>
    <lastmod>2026-01-07T06:41:33.436Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/monitor/reporting</loc>
    <lastmod>2026-01-07T06:41:33.435Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/monitor/search-and-filter</loc>
    <lastmod>2026-01-07T06:41:33.440Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/monitor/webhooks/webhook-best-practices</loc>
    <lastmod>2026-01-07T06:41:33.441Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/monitor/webhooks/webhook-management</loc>
    <lastmod>2026-01-07T06:41:33.439Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/monitor/webhooks/webhook-troubleshooting</loc>
    <lastmod>2026-01-07T06:41:34.729Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/openapi-specifications</loc>
    <lastmod>2026-02-26T01:03:03.721Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/persons-sandbox-environment</loc>
    <lastmod>2026-01-07T06:41:34.728Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/sandbox</loc>
    <lastmod>2026-01-07T06:41:34.730Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/transfers-sandbox-experience</loc>
    <lastmod>2026-01-07T06:41:34.735Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/verify-sandbox-experience</loc>
    <lastmod>2026-01-07T06:41:34.732Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/verify/account-control</loc>
    <lastmod>2026-01-07T06:41:34.737Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/verify/account-ownership</loc>
    <lastmod>2026-01-07T06:41:34.736Z</lastmod>
  </url>

  <url>
    <loc>https://docs.orum.io/guides/verify/account-status</loc>
    <lastmod>2026-01-07T06:41:34.733Z</lastmod>
  </url>

  <url>
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</urlset>