Could each of your users maintain their own sitemap?
If so, you could use a sitemap index. Its intended use is for when your sitemap is too big, I believe, but you could as well list all the sitemaps you expect your users to create.
<?xml version="1.0" encoding="UTF-8"?>
<sitemapindex xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
<sitemap>
<loc>http://www.example.com/site1/sitemap.xml.gz</loc>
<lastmod>2004-10-01T18:23:17+00:00</lastmod>
</sitemap>
<sitemap>
<loc>http://www.example.com/site2/sitemap.xml.gz</loc>
<lastmod>2005-01-01</lastmod>
</sitemap>
</sitemapindex>
Another option is to do as Google does, and include a list of sitemaps in your robots.txt file.
Sitemap: https://www.google.com/edu/sitemap.xml
Sitemap: https://www.google.com/work/sitemap.xml
Sitemap: https://www.google.com/intx/sitemap.xml
In your case
Sitemap: https://example.com/site1/sitemap.xml
Sitemap: https://example.com/site2/sitemap.xml
Sitemap: https://example.com/site100/sitemap.xml
Again, each user would need to maintain a sitemap and I don't know how well or widely either of those solutions is supported.