XTM, Inc. is a Canada-based fintech company. The Company provides mobile banking and payment solutions. The Company is a global card issuer, payment specialist, and marketing solutions company. The Company’s Products include issuing cards, pre-authorized debit, direct deposit accounts, digital banking, visa direct, among others. XTM has built end-to-end solution and all the systems and processes in place from employer on-boarding, to worker sign-up via mobile app, to instant issuance of the MyToday Mastercard, to same day delivery of disbursements. It has committed to also provide free to every user, a full featured mobile wallet solution linked to the Mastercard allowing a full suite of services including bill payment, instant transaction history, Automated Teller Machine (ATM) withdrawals, Interac e-transfers and more. The Company’s toolkit includes white-labeled mobile apps, white labeled admin and user portals, custom prepaid cards, among others.