XTM Inc. (AnyDay)

XTM Inc. is a financial technology company specializing in payment and e-commerce solutions, primarily serving the Canadian and U.S. markets. Headquartered in Toronto, Ontario, with additional offices in Miami, Denver, and London, the company's mission is to revolutionize how workers access and manage their earnings through real-time payment and earned wage access (EWA) solutions.

The company's core offering is the AnyDay™ platform, which provides automated tip pooling, instant payouts, and EWA capabilities. This platform includes a mobile application and a Visa or Mastercard debit card, allowing employees in sectors such as hospitality, personal care, and retail to access their wages and gratuities on demand. XTM Inc. serves a diverse client base, including major brands like Earls, Marriott Hotels, Maple Leaf Sports & Entertainment, Cactus Club, and Live Nation.

Marilyn Schaffer leads XTM Inc. as Chairperson and CEO. The company has recently undergone significant strategic changes, including a Management Services Agreement with Everyday People Financial Corp. in October 2025, which led to the formation of Everyday People Payments Inc.. However, as of February 2026, XTM Inc. and Everyday People Payments Inc. obtained initial protection under the Companies' Creditors Arrangement Act (CCAA) due to regulatory concerns over trust funds, leading to a halt in trading on the CSE (PAID). The company is currently engaged in a court-approved sale and investment solicitation process.