top of page
XTM Rolls Out Certified Earned Wage Access in Canada and US – First Vertically Integrated Solution – Free to Employees and Employers

January 11, 2024

MIAMI, TORONTO, January 11, 2023 – XTM, Inc. (“XTM” or the “Company”) (QB: XTMIF / CSE:PAID / FSE:7XT), a Miami and Toronto, Denver and London-based Fintech creator of payment innovations including fully certified Earned Wage Access (EWA) through its QRails AnyDay™ product, is pleased to announce, further to its announcement in June 2023 XTM to Launch EWA in Canada, the official roll out of its SAP-certified and fully-complaint Earned Wage Access solution in Canada through its AnyDay™ product currently in use to deploy earnings to thousands of hospitality, personal care and soon to be added, health care workers.

Further to the recent acquisition of issuer-processor QRails in August 2023, the Company’s Today/Tipstoday brands are evolving to the new name with a visual identity and website that aligns with XTM’s vision for the future. The AnyDay brand will replace the Today brand, formerly Tipstoday.

“Through our QRails acquisition, XTM became the first vertically integrated, fully SAP-certified provider of on-demand pay, which is a game-changer for employers who want to offer impactful, retention-focused benefits to their employees at scale,” said Marilyn Schaffer, CEO, XTM.  “Since the acquisition of QRails in August of last year, we have seen significant momentum for EWA within the U.S., including a 328% YOY increase in revenue.  We are excited to bring this innovative payroll enhancement to Canadian employers and payroll partners.”

“Today is an important milestone for XTM, as our app, used daily by thousands of hospitality, personal care and soon to come, health care workers, reflects a new name and brand identity mirroring the Company’s revitalized trajectory as a global contender in the Earned Wage Access movement,” Marilyn added.

While employers continue to struggle with high turnover rates across healthcare, retail and hospitality, employees continue face financial challenges amid the seemingly ongoing financial crisis. In a recently published white paper, The Era of On-Demand Pay, XTM cites that nearly 80% of workers in North America are living paycheck to paycheck, making it “the main financial lifestyle.” AnyDay’s Earned Wage Access solution solves for both challenges and is fully optional and free to employees, and free to businesses that make their payroll accessible mid-pay-cycle.  By giving employees flexibility and control over when and how they get paid, employers can offer an automated and impactful financial wellness benefit that does not affect their bottom line. This is not a new concept, but a growing payroll movement. Millions of workers across North America have access to their earned wages, on-demand, any day during their pay cycle.

AnyDay’s Earned Wage Access is designed to easily implement and execute at scale. Through leading Payroll and Time & Attendance integrations and leading HR technology partners, XTM will continue to onboard employees within North America aiming for hundreds of thousands of active employees in 2024.

For more information and to access The Era of On-Demand Pay white paper, visit

About XTM

XTM is a Miami and Toronto, Denver and London-based Fintech creator of payment innovations including fully certified and vertically integrated Earned Wage Access through its QRails AnyDay™ product. Founded in the cloud-banking space to further support businesses to inspire their workforce in the hospitality, personal care and services staffing industries, XTM provides on-demand pay for many large brands including Earls, Maple Leaf Sports & Entertainment, Cactus Club, Marriott Hotels and Live Nation. XTM continues to innovate with further digital featurization to support businesses to inspire workers to want to work more with shift scheduling and call-outs, staff management, expense management, in-app health and financial wellness; and gamified loyalty programs. XTM's Today Financial™ is in use through POS and Payroll integrations and directly through web-portals by thousands of businesses and their workers across Canada and the United States.

About QRails / AnyDay

QRails Inc. (“QRails”) is a fully owned subsidiary of XTM. A cloud-based, API-driven issuer-processor QRails enables payroll providers, financial institutions and other global fintech companies to keep up with the on-demand economy by delivering innovative digital payment solutions to their employees. QRails helps companies modernize and leverage payroll as a differentiator in attracting and retaining talent all at low to no cost for the employee and employer. QRails’ flagship solution, AnyDay™, is the first provider to own their full tech stack that powers their Earned Wage Access solution.

For further information please visit or contact:

Marilyn Schaffer, CEO


This news release contains “forward-looking information” and “forward-looking statements” within the meaning of applicable securities laws (the “forward-looking statements”), within the meaning of applicable Canadian securities legislation, including expected performance of XTM, the expectation that businesses with which XTM does business or have committed to do business will in the expected timeline, the continuing trend toward electronic payment methods, the success of XTM’s intended geographic and business expansions, the success of XTM’s new market relationships, and the general conditions and revenues of XTM. Forward-looking statements are statements that are not historical facts and are generally, although not always, identified by words such as "expect", "plan", "anticipate", "project", "target", "potential", "schedule", "forecast", "budget", "estimate", "intend" or "believe" and similar expressions or their negative connotations, or that events or conditions "will", "would", "may", "could", "should" or "might" occur. All such forward-looking statements are based on the opinions and estimates of management as of the date such statements are made. These forward-looking statements are made as of the date of this news release. Readers are cautioned not to place undue reliance on forward-looking statements, as there can be no assurance that the future circumstances, outcomes or results anticipated in or implied by such forward-looking statements will occur or that plans, intentions or expectations upon which the forward-looking statements are based will occur.

The CSE has not approved nor disapproved the contents of this press release, and the CSE does not accept responsibility for the adequacy or accuracy of this release.

bottom of page