XTM Inc.

XTM is a fintech innovator in the neo-banking space, helping businesses and service workers in the hospitality, staffing, and personal care spaces disseminate and access earned wages and gratuities. XTM's Today™ 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. The XTM platform automates and expedites worker payouts and eliminates cash from 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.