XTM, Inc. is a financial technology company, which engages in designing, building, and maintaining payment and ecommerce solutions customized for business and consumers in Canada. The company is headquartered in Toronto, Ontario. The company went IPO on 2020-03-10. Through its AnyDay platform and its fully owned subsidiary, QRails, it delivers instant pay and Earned Wage Access solutions to the hospitality, personal care, and staffing sectors. QRails is a cloud-based, API-driven issuer-processor enabling payroll providers, financial institutions, and fintechs to deliver modern digital payment solutions. Through its AnyDay product, a mobile and enterprise software solution specifically designed to provide earned wages to employees, on demand, via a mobile wallet, accessible via the Internet or by a free mobile app paired with a chip and pin EMV Mastercard debit card, its solution includes free banking features and is used by employees in Canada and the United States. The company supports businesses to encourage their workforce in the hospitality, personal care and service staffing industries. The company supports various brands, including Earls, Marriott Hotels, Maple Leaf Sports & Entertainment, Cactus Club, and Live Nation.
