<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1"><url><loc>https://helmsadvisory.com/</loc><lastmod>2026-06-23</lastmod><changefreq>weekly</changefreq><priority>1.0</priority><image:image><image:loc>https://helmsadvisory.com/img/helms-logo-2026.png</image:loc><image:title>HELMS — Financial Infrastructure Advisory</image:title><image:caption>HELMS logo</image:caption></image:image><image:image><image:loc>https://helmsadvisory.com/og.png?v=2</image:loc><image:title>HELMS — Financial Infrastructure Advisory</image:title><image:caption>HELMS</image:caption></image:image></url><url><loc>https://helmsadvisory.com/briefings</loc><lastmod>2026-07-08</lastmod><changefreq>daily</changefreq><priority>0.9</priority></url><url><loc>https://helmsadvisory.com/tools</loc><lastmod>2026-07-01</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url><url><loc>https://helmsadvisory.com/mica-deadline</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/eu-regulatory-timeline</loc><lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url><url><loc>https://helmsadvisory.com/casp-licence-tracker</loc><lastmod>2026-07-01</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/emi-tracker</loc><lastmod>2026-07-01</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/stablecoin-tracker</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/sanctions-checker</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/registry-portal</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url><url><loc>https://helmsadvisory.com/mica-whitepaper-register</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/esma-eba-qa</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/tools/mica-exposure-checker</loc><lastmod>2026-06-15</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/tools/casp-jurisdiction-selector</loc><lastmod>2026-06-15</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/tools/casp-vs-emi</loc><lastmod>2026-06-15</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/tools/dora-checker</loc><lastmod>2026-06-15</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/tools/capital-calculator</loc><lastmod>2026-06-15</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/privacy</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/terms</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/disclaimer</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/for/crypto-exchanges</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/for/stablecoin-issuers</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/for/payment-firms</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/for/funds</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/for/otc-desks</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/for/web3-startups</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/services/mica-casp-licensing</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/services/fractional-cfo</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/services/treasury-banking</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/guides</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/guides/malta-mica-casp-licence</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/guides/netherlands-mica-casp-licence</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/guides/luxembourg-mica-casp-licence</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/guides/cyprus-mica-casp-licence</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/guides/poland-mica-licence-alternatives</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/guides/dora-compliance-crypto-casp</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/guides/lithuania-mica-casp-licence</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/guides/ireland-mica-casp-licence</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/guides/germany-mica-casp-licence</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/guides/france-mica-casp-licence</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/guides/lithuania-vs-ireland-casp-licence</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/guides/cheapest-eu-mica-casp-jurisdiction</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/guides/fastest-eu-casp-licence</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/guides/malta-vs-cyprus-mica-casp-licence</loc><lastmod>2026-07-01</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://helmsadvisory.com/briefings/topic/mica</loc><lastmod>2026-07-08</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/briefings/topic/casp</loc><lastmod>2026-07-08</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/briefings/topic/regulation</loc><lastmod>2026-07-08</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/briefings/topic/stablecoins</loc><lastmod>2026-06-26</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/briefings/region/eu</loc><lastmod>2026-07-08</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/briefings/region/us</loc><lastmod>2026-06-26</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><loc>https://helmsadvisory.com/briefings/esma-csa-targets-casp-custody-resilience</loc><lastmod>2026-07-08</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url><url><loc>https://helmsadvisory.com/briefings/australia-travel-rule-live-1-july-what-exchanges-must-do</loc><lastmod>2026-07-01</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url><url><loc>https://helmsadvisory.com/briefings/fca-opens-crypto-authorisation-window-sept-2026-feb-2027</loc><lastmod>2026-06-30</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url><url><loc>https://helmsadvisory.com/briefings/mica-transition-ends-1-july-esma-orders-unlicensed-casps-to-wind-down</loc><lastmod>2026-06-30</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url><url><loc>https://helmsadvisory.com/briefings/eba-consults-on-mica-fine-setting-methodology</loc><lastmod>2026-06-26</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url><url><loc>https://helmsadvisory.com/briefings/sec-and-cftc-open-comment-on-derivatives-definitions</loc><lastmod>2026-06-26</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url><url><loc>https://helmsadvisory.com/briefings/france-s-amf-unlicensed-crypto-firms-face-blacklist-after-june-30</loc><lastmod>2026-06-13</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url><url><loc>https://helmsadvisory.com/briefings/poland-has-under-20-days-to-implement-mica-and-still-no-law</loc><lastmod>2026-06-12</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url><url><loc>https://helmsadvisory.com/briefings/how-the-genius-act-made-usdc-wall-street-s-stablecoin</loc><lastmod>2026-06-12</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url><url><loc>https://helmsadvisory.com/briefings/cftc-treats-crypto-perpetuals-as-foreign-futures-eases-fcm-transfers</loc><lastmod>2026-06-12</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url><url><loc>https://helmsadvisory.com/briefings/crypto-tax-reporting-carf-dac8-is-now-live</loc><lastmod>2026-01-01</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url><url><loc>https://helmsadvisory.com/briefings/stablecoin-treasury-without-the-surprises</loc><lastmod>2025-04-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url><url><loc>https://helmsadvisory.com/briefings/mica-is-live-what-it-actually-changes</loc><lastmod>2025-03-05</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url><url><loc>https://helmsadvisory.com/briefings/emi-agent-or-full-licence</loc><lastmod>2025-02-12</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url><url><loc>https://helmsadvisory.com/briefings/dora-makes-resilience-a-board-issue</loc><lastmod>2025-01-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url></urlset>