XTMIFXTM Inc.

About XTM Inc. (XTMIF)

XTM Inc. (XTMIF) is a Information Technology Services company headquartered in Toronto, ON, Canada whose shares trade over-the-counter on the Pink tier.

XTM with offices in Miami, Toronto, Denver and London is a Fintech creator of payment innovations including fully certified Earned Wage Access through its AnyDay™ product. Founded in the cloud-banking space to further support businesses to inspire their workforce in the hospitality, personal care and services staffing industries, XTM provides on-demand pay for many large brands including Earls, Maple Leaf Sports & Entertainment, Cactus Club, Marriott Hotels and Live Nation. QRails is a fully owned subsidiary of XTM. A cloud-based, API-driven issuer-processor, QRails enables payroll providers, financial institutions and other global fintech companies to keep up with the on-demand economy by delivering innovative digital payment solutions to their employees. QRails helps companies modernize and leverage payroll as a differentiator in attracting and retaining talent all at low to no cost for the employee and employer. QRails’ flagship solution, AnyDay™, is the first provider to own their full tech stack that powers their Earned Wage Access solution. Founded in 2016, QRails, Inc., together with its U.K. subsidiary, QRails Limited is SAP-certified, QRails also has earned several industry certifications under PCI DSS, and SOC. For more information, please visit www.QRails.com

Products and services

AnyDay’s automated, real-time, payments solutions transform traditional pay cycles for large organizations in order to enhance the employee experience and to improve operational efficiency. AnyDay provides employers retention-first payment solutions that empower employees with financial flexibility, control, and peace of mind to support financial well-being as an employee benefit. There are two main real-time payment offerings from AnyDay: Earned Wage Access and Payments+.AnyDay Earned Wage Access (EWA) is a no-to-low-cost payroll enhancement that empowers employees to access a portion of their earned pay, every day. AnyDay leverages global payroll and workforce management partners to offer a fully integrated, turnkey EWA solution. There is no cost to the employer to launch AnyDay EWA. The employee app that facilitates EWA comes with free financial education, the lowest fees in the market to access funds instantly as well as a pay card for seamless in-store and online spending needs. AnyDay is the only issuer/processor, enabling the option of white label solutions for the app and pay card.

XTMIF key facts

Ticker symbol

XTMIF

Market tier

Pink

Sector

Technology

Industry

Information Technology Services

Headquarters

Toronto, ON, Canada

Country of incorporation

CA

Year of incorporation

2005

Employees

74

Estimated market cap

$9.51M (as of May 8, 2025)

Shares outstanding

230,861,034

Reporting standard

International Reporting: Canadian Securities Exchange

Audit status

Audited

Fiscal year end

12/31

Latest filing

Interim Financial Report (Sep 30, 2023)

XTM Inc. leadership

• Marilyn Schaffer — CEO
• Swapan Kakumanu — CFO

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