XTM Inc.

Canada · Financial Services

XTM is a U.S., Canada and UK-based Fintech creator of payment innovations, including fully certified and vertically integrated Earned Wage Access through its QRails AnyDay™ solution. Founded in the cloud-banking space, XTM helps employers keep their employees happy with a retention-first, operationally-efficient digital payout solution for earned wages, gratuities, bonuses and other forms of payment. With the increase of on-demand pay as an employee benefit, XTM helps businesses inspire their workers in hospitality, personal care, healthcare, manufacturing and retail industries. Clients include many large national brands including Earls, Maple Leaf Sports & Entertainment, Cactus Club, Marriott Hotels and Live Nation. XTM is a fintech innovator in the neo-banking space, helping businesses and service workers in the hospitality, staffing and personal care space disseminate and access earned wages and gratuities. XTM's Today Payments™ solution, comprised of a free mobile app and a Visa or Mastercard debit card with free banking features, is used by thousands of restaurants, salons and staff across Canada and the United States. XTM is a global card issuer and real-time payment specialist, with technology used by restaurants, salons, staffing agencies and more at no charge. The XTM platform automates and expedites worker payouts and eliminates cash from the our Customers' ecosystems. XTM's Today solution drives real business value, with efficiency and a bespoke user experience designed specifically for hospitality, staffing and salon service businesses. WHY XTM? A global payment, fintech company with a legacy in sophisticated marketing. We create found-revenue for clients through innovation and payments-based know-how. MISSION Go-to innovator and marketer for customized payment ecosystems. VISION Create growth and opportunity for best-in-class businesses.