Xtm Inc Stock Price, News & Analysis

XTM (QB: XTMIF / CSE: PAID) filed interim financials for Q3 2025 and announced a strategic shift to a capital-light, profit-sharing model via a Management Services Agreement with Everyday People Financial Corp announced October 24, 2025.

Key highlights: year-to-date revenue of $7.4M (+19% vs prior year), net loss from operations down 25% to $10.8M, total comprehensive loss of $11,930,735, and sale of QRails processor assets on September 16, 2025 recording a $1.2M loss on sale. XTM retained QRails EWA technology and client contracts and shifted to transaction-based processing fees to lower fixed costs.

XTM (OTCQB: XTMIF) signed a binding Letter of Intent with AGORACOM RWA DBX to pursue tokenization of preferred shares in its wholly owned U.S. subsidiary, XTM USA. AGORACOM will act as exclusive consulting agent for six months to coordinate structure, jurisdictional compliance and execution with independent partners.

The initiative targets non-dilutive capital using real-world asset (RWA) tokenization infrastructure and explicitly does not create or tokenize XTM common equity or affect the public listing. XTM USA holds the IP and key operating contracts for AnyDay™ EWA, representing a 2026 market of 150,000+ daily wage earners. The LOI includes exclusivity, preliminary compensation and aims to finalize a Consulting Agency Agreement within 90 days.

XTM Inc (OTCQB: XTMIF) announced on October 29, 2025 that it will satisfy accrued interest on outstanding convertible debentures as of September 30, 2025 by issuing 18,513,695 common shares at a deemed price of $0.0326 per share (20-day VWAP), subject to Canadian Securities Exchange approval. The issuance satisfies $604,212 of interest and includes 7,142,868 shares to a director for $233,114, a related party transaction for which the company relied on MI 61-101 exemptions. Separately, 10,230,000 common shares were issued to management under previously approved compensation arrangements. All shares will rank pari passu with existing common shares.

XTM Inc. (QB: XTMIF) has successfully completed the sale of strategic assets to Pateno Payments Inc. for USD $3,000,000. The transaction, which closed on September 17, 2025, included the full repayment of XTM's senior debt facility with 2Shores Capital.

The company will maintain ownership of its proprietary AnyDay™ platform while continuing to utilize the QRails processing platform. The core QRails engineering team has transitioned to Pateno, ensuring operational continuity. This strategic divestiture aims to reduce monthly operating costs and position XTM toward cash neutrality, marking a significant step in the company's path to profitability.

XTM Inc. (CSE: PAID), a fintech company specializing in automated tip pooling and Earned Wage Access, has provided an update regarding a notice from the Canadian Public Accountability Board (CPAB) concerning its auditor, Abu-Farah Professional Corporation.

The CPAB enforcement notice, issued on August 8, 2025, identified multiple significant inspection findings related to the audit of XTM's 2023 financial statements. The auditor is currently prohibited from accepting new reporting issuer clients and is required to implement a remediation plan, which is expected to be completed in Q4 2025.

["Company remains operational and continues business as usual", "Company demonstrates transparency by promptly disclosing regulatory matters"]

XTM Inc. reported strong Q1 2025 financial results with revenue reaching $2.7 million, up 51% from $1.8 million in Q1 2024. The fintech company, known for automated tip calculations and instant payouts through its AnyDay platform, reduced its net comprehensive loss by 40% to $3.2 million compared to $5.3M in the prior year quarter. Key developments include a CAD $13 million credit facility with Pateno Payments, strategic revenue diversification with less than 40% from Interchange, and ongoing transaction progress with Pateno Payments Inc. for processing operations. The company reported a decrease in restricted cash of $14.2M, with $2.5M related to EWA program migration and $9.6M transferred to KOHO financial. Post-quarter, XTM expanded its sales team and secured 149 new client locations for its AnyDay solution.

XTM has signed a USD $3 million Asset Purchase Agreement with Pateno Payments to sell its QRails processing technology. This strategic move is expected to cut XTM's monthly operating costs by 50% and help achieve cash neutrality by Q3 2025.

The deal allows XTM to maintain access to QRails' processing platform while reducing operational expenses. The company will keep full ownership of its AnyDay™ Earned Wage Access platform and key integrations. The core QRails engineering team has transferred to Pateno to ensure service continuity.

Key benefits include improved financial flexibility, margin expansion on interchange and real-time payments, and non-dilutive capital injection. Additional updates:

• Dissolution of KOHO referral agreement, with 10,000 AnyDay members returning by June 2025
• Termination of previous investment agreement with Pateno
• Debt elimination upon closing, except for convertible debentures
• Issuance of 6.7 million shares at $0.965 average price for employee retention

XTM (XTMIF) reports significant business developments in Q1 2025, including the addition of 90 new locations and 176 new SaaS subscribers. The company is implementing cost reduction initiatives by leveraging increased Gross Dollar Value load volume and introducing a self-funded earnings access model through direct employer partnerships.

The company has launched Scheduled Payments, enabling AnyDay™ members to receive two free monthly earned tip deposits directly to their bank accounts. Starting Q2 2025, users can request portions of their earnings beyond the bi-monthly schedule through the AnyDay platform.

XTM is strengthening its focus on the AnyDay™ ecosystem, planning to launch a virtual card feature by mid-Q2 2025 to reduce physical card dependency. The company continues to prioritize profitability through direct employer relationships across North America while exploring beneficial financing options.

XTM Inc. (OTC: XTMIF) is experiencing increased interest in its AnyDay™ Earned Wage Access (EWA) platform and instant tip-out calculator solution following President Trump's commitment to eliminate taxes on tips. The company currently processes hundreds of millions of dollars in instant payments annually for hospitality businesses across the U.S. and Canada.

The proposed 'No Tax on Tips' policy would remove employers' requirement to withhold taxes on tips. XTM's AnyDay™ platform offers a solution for businesses transitioning to daily, tax-free tip payouts, featuring real-time tip pooling and instant payments. According to labor statistics, 16.82 million people were employed in the U.S. hospitality and leisure industry as of December 2023, with median pay for full-service restaurant workers reaching $23.88 per hour by September 2024, a 28% increase since January 2020.