XTM Inc.

XTM Inc. is a Canada-based fintech company. The Company’s main business is as a creator of disruptive payment innovations, including fully certified Earned Wage Access through its QRails AnyDay product. The Company is the originator of the Today Solution, a software solution originally designed for restaurateurs, personal care service providers, food delivery operators, and other businesses with a similar need to provide staff with funds in near real-time. It is comprised of a Today wallet accessible by a free mobile app, and a companion Visa or Mastercard debit card with free banking features. The Company maintains to transform with advanced digital featurization to support businesses to inspire workers to want to work more with shift scheduling and call-outs, staff management, expense management, in-app health and financial wellness, and gamified loyalty programs. Its free banking features and solution are used in various locations and staff across Canada, and the United States.