XTM is a fintech innovator in the neo-banking space, helping businesses and service workers in the hospitality, staffing and personal care space 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 at no charge. The XTM platform automates and expedites worker payouts and eliminates cash from the 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. WHY XTM? A global payment, fintech company with a legacy in sophisticated marketing. We create found-revenue for clients through innovation and payments-based know-how. MISSION Go-to innovator and marketer for customized payment ecosystems. VISION Create growth and opportunity for best-in-class businesses.