XTM Inc. announced that it has officially integrated and merged XTM?s Today tipping solution into the QRails? AnyDay Earned Wage Access (EWA) solution for its US clients resulting in an additional feature roll-out opportunity for large strategic partners such as SAP, Discover and Veritas Prime. Employees in the U.S. who traditionally receive their gratuities as part of their paychecks, no longer need to wait a pay cycle to receive their gratuities.

Through the AnyDayTM Payments platform, enabled by XTM?s technology, employers can now leverage this solution for improved recruitment and retention. This creates new opportunities for XTM?s current US pipeline of Human Capital Management and Payroll partners who have been eagerly waiting for this solution since the close of the QRails acquisition on August 21st, 2023. The combined solution is now in use with a variety of XTM clients across the U.S. The AnyDayTM mobile wallet and debit card creates a robust retention tool and includes a client portal with added features that support financial and accounting teams for seamless reporting and reconciliation.

The valuable processing and issuing tech stack provides employers with a secure, efficient and effective way to distribute earnings, instantly. This technology integration is the start of the advantages to be realized of consolidating the resources of XTM and QRails in the areas of sales & marketing, onboarding, customer service and product development.