XTM Inc. (OTCQB: XTMIF | CSE: PAID), a fintech company specializing in instant payout solutions, announced the successful migration of over 100,000 members to its Everyday Payments virtual tokenized (Apple Pay and Google Pay) wallets platform. This platform provides same-day gratuity, expense, and petty cash management primarily for frontline hospitality staff and operators in Canada.
The migration was executed as part of the Strategic Management Services Agreement established on October 24, 2025, with Everyday People Financial Corp. (EPF), which led to the formation of Everyday Payments as a majority-owned subsidiary of XTM. The management services structure implemented through this agreement has enabled XTM to significantly reduce operational complexity while sustaining recurring platform economics.
Everyday Payments reports an increasing demand among members for financial products that support their lifestyles across diverse workforces. The company is committed to its mission of advancing affordable financial inclusion for working Canadians and plans to introduce additional products and services, including lending and overdraft optional programs.
Tyler Hatch, President of Everyday Payments, stated, “We are pleased to have completed the migration successfully and to shift focus to the opportunities ahead within this diverse and highly engaged hospitality community.”
Marilyn Schaffer, CEO of XTM Inc., added, “The economics of the Everyday Payments services agreement have allowed the XTM team to shift focus from day-to-day operations toward identifying new payment opportunities across additional verticals and and geographies. With a lean team in place, we are actively advancing initiatives in the United States and looking at select international markets, with the objective of replicating the Everyday Payments model globally.”
Members utilizing the Everyday Payments platform benefit from instant access to earnings via a virtual card and digital wallet, seamless tokenization for rapid integration with Apple Pay and Google Pay, and the option for a personalized physical card delivered to their home. For hospitality and business operators, the platform offers advantages such as the elimination of physical card inventory management, which reduces costs and administrative burdens. It also provides simple onboarding through progressive identity verification, enabling faster employee access, and enhanced compliance and security via a digital-first account setup.
XTM Inc., headquartered in Toronto, is the founder of AnyDay®, a real-time payroll, tip, and earned wage access platform. AnyDay is designed as a compliance-first solution and is widely adopted across the hospitality, personal care, and retail sectors. Everyday Payments functions as a strategic management services subsidiary of XTM, leveraging the AnyDay platform to deliver real-time employee payouts to businesses in hospitality, food service, beauty, wellness, and commission-based sectors. The platform is structured to support future introductions of additional value-added financial services.
