Articles from XTM Inc.

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE: PAID / FSE: 7XT), a fintech innovator in automated tip calculations, instant payouts for employees and gig workers and a provider of Earned Wage Access (“EWA”) through its AnyDay™ platform, today announced it has filed its interim financial statements and management’s discussion and analysis (MD&A) for the quarter ended March 31, 2025 (the “Required Filings”).

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE: PAID / FSE: 7XT), a fintech innovator in automated tip calculations, instant payouts for employees and gig workers and earned wage access (“EWA”) through its AnyDay™ platform, today announced it has filed its audited financial statements and management’s discussion and analysis (MD&A) for the fiscal year ended December 31, 2024 (the “Required Filings”).

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE: PAID / FSE: 7XT), a fintech innovator in automated tip pooling, instant payouts, and Earned Wage Access (“EWA”) through its AnyDay™ platform, is pleased to announce it executed a definitive Asset Purchase Agreement with Pateno Payments Inc. (“Pateno”), a subsidiary of Digital Commerce Group, on April 25, 2025 for the sale of the QRails, Inc. processing technology.

XTM (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a fintech leader in automated tip pooling, instant payouts, and Earned Wage Access (“EWA”) via its AnyDay™ platform, is pleased to provide key corporate updates, highlighting business momentum and financing progress.

XTM Inc. (“XTM” or the “Company”) (OTC: XTMIF / CSE: PAID / FSE: 7XT), a fintech innovator specializing in payment solutions for the hospitality industry, is experiencing a surge in inbound interest for its AnyDay™ Earned Wage Access (EWA) platform and instant tip-out calculator solution. This interest follows President Trump’s recent commitment to eliminate taxes on tips, a policy that could significantly impact the hospitality sector.

XTM, (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT) a fintech company specializing in innovative payment solutions including Automated Tip Pooling Calculations and Pay-Outs, and Earned Wage Access (“EWA”) through its AnyDay™ platform, is pleased to announce a corporate update that highlights significant strategic initiatives, recent achievements and the company’s roadmap for continued growth. This update reflects the Company’s commitment to innovation, operational excellence, and delivering enhanced value to its customers, partners, and stakeholders.

XTM Inc. (“XTM” or the “Company”) (CSE: PAID / FSE: 7XT), a fintech company specializing in innovative payment solutions including Earned Wage Access (EWA) through its AnyDay™ platform, announced the execution on December 11, 2024 of an arms-length, non-binding Letter of Intent with Pateno Payments Inc. (“Pateno”) for the acquisition by Pateno of 51% of the equity of the XTM business in consideration for Pateno capitalizing the XTM business with a $10 million cash injection (the “Proposed Transaction”).

XTM Inc. (“XTM” or the “Company”) (CSE: PAID / FSE: 7XT), a fintech company specializing in innovative payment solutions including Earned Wage Access (EWA) through its AnyDay™ platform, has filed its financial statements for the third quarter of 2024. The results demonstrate strong growth, including a 29% year-over-year (YoY) increase in revenue for the first nine months of 2024.

XTM Inc. (“XTM” or the “Company”) (CSE:PAID / FSE:7XT) a Miami, Toronto, and London-based Fintech creator of innovative payment solutions including tip-payout and certified Earned Wage Access (EWA) through its QRails AnyDay™ product and fully integrated processor, today announced that on November 12, 2024 it signed an exclusive referral agreement with KOHO Financial Inc. (“KOHO”) to offer enhanced financial services to its more than 100,000 AnyDay member base.

XTM INC. (“XTM” or the “Company”) (CSE:PAID; FSE:7XT), is pleased to announce a non-brokered private placement offering of convertible debentures of the Company (“Debentures”) at a price of C$1,100 per Debenture for aggregate gross proceeds of up to C$7,000,000 (the “Offering”). The Debentures will mature 24 months from the date of issue (the “Maturity Date”), carry an interest rate of 12% per year and will be convertible to units (“Debenture Units”) at a conversion price of $0.11 per Unit. Each Debenture Unit shall consist of one common share of the Company and one additional common share purchase warrant exercisable until the Maturity Date for an additional common share a price of C$0.11 (each a “Warrant”). In the event the 5-day volume weighted average price of the common shares of the Company is C$0.50 or more on the Canadian Securities Exchange, the Company may accelerate the expiry date of the Warrants to the date that is 30 days from the date of an announcement of such acceleration.

XTM Inc. (“XTM” or the “Company”) (CSE:PAID / FSE:7XT) a Miami and Toronto, Denver and London-based Fintech creator of innovative payment solutions including tipping-payout and certified Earned Wage Access (EWA) through its QRails AnyDay™ product and fully integrated processor, today announced the launch and roll-out of a Global Workers Payout Program called PayNow.

XTM Inc. (“XTM” or the “Company”) (CSE:PAID / FSE:7XT), a Miami, Denver, Toronto and London-based Fintech creator of payment innovations including fully certified Earned Wage Access through its QRails AnyDay™ product, is pleased to announce that trading in the common shares of the Company through the facilities of the Canadian Securities Exchange (the “CSE”) resumed on October 7, 2024.

XTM Inc. (“XTM” or the “Company”) (CSE:PAID / FSE:7XT) is pleased to announce that on October 2, 2024 the Ontario Securities Commission (the “OSC”) issued an order revoking the failure-to-file cease trade order issued on July 3, 2024 against XTM (the "Cease Trade Order"). The Cease Trade Order was issued due to XTM’s failure to file its annual audited financial statements (the "Annual Financial Statements") and related management discussion and analysis and certifications for the financial year ended December 31, 2023 as required by National Instrument 52-109 - Certification of Disclosure in Issuers' Annual and Interim Filings ("NI 52-109").

XTM Inc. ("XTM" or the "Company") (CSE: PAID / FSE: 7XT) on September 30, 2024 filed its audited annual financial statements for the year ended December 31, 2023 (the “2023 Financial Year”), interim financial statements for the periods ended March 31, 2024 (“Q1”) and June 30, 2024 (“Q2”, and together with the 2023 Financial Year and Q1, the “Financial Periods”), as well as management’s discussion & analysis relating and related officer certifications for the relevant periods (collectively, the “Financial Statements”).

XTM Inc. (“XTM” or the “Company”) (CSE:PAID / FSE:7XT) continues to work with its auditors to file its audited annual financial statements for the year ended December 31, 2023, interim financial statements for the period ended June 30, 2024, as well as management’s discussion & analysis relating and related officer certifications for the relevant periods (collectively, the “Required Documents”). The Company intends to file the Required Documents as soon as possible and will provide updates as further information relating to the Required Documents becomes available.

XTM Inc. (“XTM” or the “Corporation”) (QB: XTMIF / CSE:PAID / FSE:7XT) announces that on July 3, 2024, the Ontario Securities Commission (the “OSC”) as the principal regulator of the Corporation issued a failure-to-file cease trade order (a “FFCTO”) to the Corporation under National Policy 11-207 Failure-To-File Cease Trade Orders And Revocations In Multiple Jurisdictions as a result of the Corporation’s failure to file the following (collectively, the “Required Filings”):

XTM Inc. ("XTM" or the "Corporation") (QB: XTMIF / CSE: PAID / FSE: 7XT) is providing an update to its previously announced management cease trade order (the "MCTO") granted by the Ontario Securities Commission (the “OSC”) under National Policy 12-203 - Management Cease Trade Orders ("NP 12-203").

XTM Inc. ("XTM" or the "Corporation") (QB: XTMIF / CSE: PAID / FSE: 7XT) is providing an update to its previously announced management cease trade order (the "MCTO") granted by the Ontario Securities Commission (the “OSC”) under National Policy 12-203 - Management Cease Trade Orders ("NP 12-203").

XTM Inc. ("XTM" or the "Corporation") (QB: XTMIF / CSE: PAID / FSE: 7XT) announced today that further to its application to the Ontario Securities Commission (the "OSC") for a management cease trade order ("MCTO") to be imposed in respect of its delay in filing its audited annual financial statements, management's discussion and analysis, annual information form, and related certifications, all for the year ended December 31, 2023 (collectively, the "Annual Filings"), the OSC has granted the MCTO. The MCTO restricts trading in securities of the Corporation by management of the Corporation until such time as the Issuer Statements have been filed by the Corporation and the MCTO is no longer in effect.

XTM Inc. (“XTM” or the “Corporation”) (QB: XTMIF / CSE:PAID / FSE:7XT) announced today that due to a delay related to audit procedures and quality review to support reliance on third party service organizations XTM may not be in a position to file its audited annual financial statements (the “Issuer Statements”), management’s discussion and analysis and related certifications for the financial year ended December 31, 2023 on or before May 1, 2024, as required.

XTM Inc. (“XTM” or the “Company”) (CSE:PAID; QB: XTMIF; FSE:7XT), announces that it has commenced a non-brokered private placement offering for aggregate gross proceeds of up to US$5,000,000 (the “Offering”) of units of the Company (each a “Unit”). Each Unit will consist of (i) one secured convertible debenture in the principal amount of US$1,000 at a rate of 12% per annum from the date of issuance and shall be convertible at the option of the respective holders thereof into common shares in the capital of the Company (the “Common Shares”) at a price of US$0.11 per Common Share at any time for a period of 24 months from the initial closing date (the “Initial Closing Date”), and (ii) 1,000 warrants (“Warrants”) to purchase Common Shares upon payment of US$0.11 to the Company for a period of 24 months from the Initial Closing Date.

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami, Toronto, Denver and London-based Fintech creator of payment innovation including fully certified Earned Wage Access (EWA) through its QRails AnyDay™ product provided an update today on the QRails acquisition and financing.

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami, Toronto and London based Fintech creator of payment innovation including fully certified Earned Wage Access (EWA) through its QRails AnyDay™ product announces that it has secured its Earned Wage Access compliance certification in the state of Missouri. Missouri is the second state to enact the Earned Wage Access Law.

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami, Toronto and London based Fintech creator of payment innovation including fully certified Earned Wage Access (EWA) through its QRails AnyDay™ product announced, together with the Earned Wage Access Group and the Chartered Institute of Payroll Professionals (CIPP), the launch of a new code of practice for the benefit of millions of workers accessing their earnings through Earned Wage Access (EWA).

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech creator of disruptive payment innovations is pleased to announce that it has approval of a financing, totaling up to USD $90,000,000 with access to up to $30,000,000 for the initial funding and options to request $20,000,000 and thereafter increments of $25,000,000 as the requirements for Earned Wage Access. Concurrent and before the initial draw of the debt facility, the Company will close an additional $5M USD of convertible debentures as is a condition of the loan funding.

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech creator of disruptive payment innovations is pleased to announce 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.

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech creator of disruptive payment innovations is pleased to announce that it has successfully completed its previously announced acquisition of QRails, Inc. (“QRails”), pursuant to which XTM acquired all of the issued and outstanding shares of QRails from its existing shareholders for an aggregate purchase price of US$3,500,000.00, which was paid through the issuance of 28,343,750 common shares of XTM (the “Transaction Shares”) at a price of US$0.12 (CAD$0.16) per common share (the “Purchase Price”).

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech creator of disruptive payment innovations including fully certified Earned Wage Access through its QRails AnyDay™ product, is pleased to announce that the Ontario Securities Commission (the “OSC”), the Company’s principal regulator, has revoked the cease trade order (the “CTO”) and trading in the common shares of the Company through the facilities of the Canadian Securities Exchange (the “CSE”) resumes trading on August 10, 2023. (https://thecse.com/en/about/publications/bulletins/2023-0811-reinstatement-xtm-inc-paid )

XTM Inc. (“XTM” or the “Company”) (QB:XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech creator of disruptive payment innovations including fully certified Earned Wage Access through its QRails AnyDay™ product, announces that it has changed its auditors from RSM Canada LLP (“Former Auditor”) to MNP LLP (“Successor Auditor”) effective June 30, 2023.

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech creator of disruptive payment innovations including fully certified Earned Wage Access through its QRails AnyDay™ product, is pleased to announce the preliminary results of Today Goals™. An in app financial planning and insights tool, Today Goals was designed by XTM engineers using artificial intelligence for predictability and gamification to motivate smarter financial decisions.

XTM Inc. ("XTM" or the "Corporation") (QB: XTMIF / CSE: PAID / FSE: 7XT) is providing an update to its previously announced management cease trade order (the "MCTO") granted by the Ontario Securities Commission (the “OSC”) under National Policy 12-203 - Management Cease Trade Orders ("NP 12-203").

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE: PAID / FSE: 7XT), a Miami and Toronto-based Fintech creator of payment innovations and mobile solutions specifically designed for service industries including hospitality, personal care and other service providers invites shareholders to a corporate update further to the announcement on June 15, 2023 “XTM SIGNS DEFINITIVE AGREEMENT TO ACQUIRE ISSUER, PROCESSOR, CERTIFIED EWA PROVIDER- QRAILS, ” including insight into QRails AnyDay™ the only global Earned Wage Access provider certified by SAP for their Success Factors and WorkForce software system.

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech creator of payment innovations and mobile solutions specifically geared towards service industries including hospitality, personal care and other service providers today announced it will be rolling out the QRails AnyDay™ https://anydayispayday.com/ solution across Canada.

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech creator of payment innovations and mobile solutions specifically geared towards service industries including hospitality, personal care and other service providers, today announced that it has entered into a definitive agreement dated June 15, 2023 (the “Purchase Agreement”) to acquire (the “Transaction”) all of the issued and outstanding securities of QRails Inc. (“QRails”), a prepaid payments issuer-processor and one of the first vertically integrated providers of earned wage access (“EWA”). The securities of QRails will be acquired from its current shareholders (the “Sellers”) for total consideration of US$3,500,000, consisting of US$100,000 in cash with the remaining US$3,400,000 to be paid through the issuance of common shares of the Company (“Common Shares”) at a deemed price of US$0.12 (CAD$0.16), resulting in 28,333,333 Common Shares being issued to the Sellers. The Transaction is expected to close on or about July 3, 2023, subject to reporting timelines and customary closing conditions.

XTM Inc. ("XTM" or the "Corporation") (QB: XTMIF / CSE: PAID / FSE: 7XT) is providing an update to its previously announced management cease trade order (the "MCTO") granted by the Ontario Securities Commission (the “OSC”) under National Policy 12-203 - Management Cease Trade Orders ("NP 12-203").

XTM Inc. ("XTM" or the "Corporation") (QB: XTMIF / CSE: PAID / FSE: 7XT) is providing an update to its previously announced management cease trade order (the "MCTO") granted by the Ontario Securities Commission (the “OSC”) under National Policy 12-203 - Management Cease Trade Orders ("NP 12-203").

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech creator of disruptive payment innovations and mobile solutions specifically geared towards service industries including hospitality, personal care and other service providers, announces its intent to acquire QRails Inc. (“QRails”), a prepaid payments issuer-processor and one of the first vertically integrated provider of earned wage access (“EWA”) with operations currently in the United States and the UK, offices in Denver, Kansas City and London and which is incorporated under the laws of Delaware (the “Proposed Transaction”).

XTM Inc. ("XTM" or the "Corporation") (QB: XTMIF / CSE: PAID / FSE: 7XT) is providing an update to its previously announced management cease trade order (the "MCTO") granted by the Ontario Securities Commission (the “OSC”) under National Policy 12-203 - Management Cease Trade Orders ("NP 12-203").

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech creator of disruptive payment innovations and mobile solutions specifically for service industries including hospitality, personal care and service staff today announced that the Company closed a partner agreement with Virtual Health Care Provider CloudMD Software & Services Inc. (TSXV: DOC, OTCQX: DOCRF) (“CloudMD”), enabling them to offer on-demand health care and mental health support to their 200,000 Today Program members.

XTM Inc. ("XTM" or the "Corporation") (QB: XTMIF / CSE: PAID / FSE: 7XT) announced today that a management cease trade order ("MCTO") has been granted by the Ontario Securities Commission (the "OSC") related to it not meeting its filing deadline for its audited annual financial statements, management's discussion and analysis and related certifications for the financial year ended December 31, 2022 (collectively, the "Issuer Statements"), as required under applicable Canadian securities laws.

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech creator of disruptive payment innovations specifically for service industries including hospitality, personal care and service staff today is pleased to announce the Company intends to complete a non-brokered private placement of convertible debentures of the Company (each, a "Convertible Debenture Units") at a price of US$1,000 per Convertible Debenture Unit for gross proceeds to the Company of up to US$5,000,000 (the "Offering").

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech creator of disruptive payment innovations and staff management solutions specifically for service industries including hospitality, personal care and service staff today announced that 2022’s Gross Dollar Value (“GDV”), a non-IFRS metric the Company monitors to track performance increased 200% over the previous year of 2021.

XTM Inc. (“XTM” or the “Corporation”) (QB: XTMIF / CSE:PAID / FSE:7XT) announced today that it will not be in a position to file its audited annual financial statements (the “Issuer Statements”), management’s discussion and analysis and related certifications for the financial year ended December 31, 2022 on or before May 1, 2023, as required, due to a recent change of auditor for the Corporation and audit requirements resulting from increased transaction volume experienced by the Company.

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech creator of disruptive payment innovations and staff management solutions to inspire today’s workers in the hospitality, personal care and service space is pleased to welcome People2.0 to its Today Financial™ platform for Earned Wage Access (“EWA”) and to its Timely Staff Management Platform for shift management and staff callouts.

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech creator of disruptive payment innovations and staff management solutions to inspire today’s workers in the hospitality, personal care and service space today announced that it is product ready and, by leveraging its Payfare (TSE: PAY) relationship for US banking and processing, is offering valued health care workers monetary bonus incentives for fill-in and surge shifts through its Timely™ product, a digital featurization built upon the Today Financial™ Platform.

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech creator of disruptive payment innovations and staff management solutions to inspire today’s workers in the hospitality, personal care and service space set a new record for number of service businesses and staff members onboarded to their Today program within a 24-hour period. A Hair Salon Franchised Network, considered as the destination for hair services and professional hair products, tasked XTM with getting 78 of their locations onboarded to the program simultaneously. Through continuous enhancements and achievements in automating the onboarding process, XTM’s best-in-class team successfully achieved this new record.

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based fintech creator of disruptive payment innovations and staff management solutions to inspire today’s workers in the hospitality, personal care and service space announced the signing of a deal with Payfare Inc. (“Payfare”) (TSX:PAY), a leading fintech powering instant payout and digital banking solutions for the gig workforce.

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech creator of disruptive payment innovations and staff management solutions to inspire today’s workers in the hospitality, personal care and service space published a corporate update for shareholders, retail and institutional investors.

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech creator of disruptive payment innovations and staff management solutions specifically for service industries including hospitality, personal care and service staff today announced that December’s Gross Dollar Value (“GDV”), a non-IFRS metric the Company monitors to track performance increased sharply during the month of December to $50.4 mm up 14.4% from the previous month.

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech creator of disruptive payment innovations specifically for service industries including hospitality, personal care and service staff today announced an exclusive partnership with BookJane to deliver BookJane’s Workforce Management platform to Hospitality and Professional Services Organizations for manufacturing and staffing sectors. This agreement represents the culmination of a multi-month negotiation and includes BookJane’s reciprocal agreement to exclusively offer XTM’s Fintech Platform for on-demand pay to BookJane’s thousands of platform members in the Healthcare industries in Canada, US and Europe.

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech creator of disruptive payment innovations specifically for service industries including hospitality, personal care and service staff, saw a 300% surge of inbound new business leads within a few hours following the record-attended webinar hosted with Restaurants Canada, an industry-leading non-profit association representing over 30,000 foodservice providers and James Rhodes, leading hospitality tax lawyer. The webinar was curated to provide strategic solutions for hospitality professionals to ensure restaurants are tax compliant on gratuity payouts.

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech creator of disruptive payment innovations specifically for service industries including hospitality, personal care and service staff, is partnering with Restaurants Canada, an industry-leading non-profit association representing over 30,000 foodservice professionals to provide practical solutions that will ensure restaurants are protected when it comes to payouts of gratuities.

XTM Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto-based Fintech company in the neo-banking space, providing mobile banking and payment solutions around the world, announces voting results from its annual meeting of shareholders (the “Meeting”) held on Wednesday, October 12, 2022.