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 (XTMIF) riporta sviluppi aziendali significativi nel primo trimestre del 2025, inclusa l’aggiunta di 90 nuove sedi e 176 nuovi abbonati SaaS. L’azienda sta attuando iniziative di riduzione dei costi sfruttando l’aumento del volume di carico del Valore Lordo in Dollari e introducendo un modello di accesso ai guadagni autofinanziato attraverso partnership dirette con i datori di lavoro.
L’azienda ha lanciato Pagamenti Programmati, che consente ai membri di AnyDay™ di ricevere due depositi mensili di mance guadagnate direttamente sui loro conti bancari. A partire dal secondo trimestre del 2025, gli utenti possono richiedere porzioni dei loro guadagni oltre il programma bimestrale tramite la piattaforma AnyDay.
XTM sta rafforzando il suo focus sull’ecosistema AnyDay™, pianificando di lanciare una funzionalità di carta virtuale entro metà del secondo trimestre del 2025 per ridurre la dipendenza dalle carte fisiche. L’azienda continua a dare priorità alla redditività attraverso relazioni dirette con i datori di lavoro in Nord America, mentre esplora opzioni di finanziamento vantaggiose.
XTM (XTMIF) informa sobre desarrollos comerciales significativos en el primer trimestre de 2025, incluida la adición de 90 nuevas ubicaciones y 176 nuevos suscriptores de SaaS. La empresa está implementando iniciativas de reducción de costos aprovechando el aumento del volumen de carga del Valor Bruto en Dólares e introduciendo un modelo de acceso a ganancias autofinanciado a través de asociaciones directas con empleadores.
La empresa ha lanzado Pagos Programados, que permite a los miembros de AnyDay™ recibir dos depósitos mensuales de propinas ganadas directamente en sus cuentas bancarias. A partir del segundo trimestre de 2025, los usuarios pueden solicitar porciones de sus ganancias más allá del calendario bimestral a través de la plataforma AnyDay.
XTM está fortaleciendo su enfoque en el ecosistema AnyDay™, con planes de lanzar una función de tarjeta virtual para mediados del segundo trimestre de 2025, con el fin de reducir la dependencia de tarjetas físicas. La empresa sigue priorizando la rentabilidad a través de relaciones directas con empleadores en América del Norte, mientras explora opciones de financiamiento beneficiosas.
XTM (XTMIF)는 2025년 1분기에 90개의 새로운 지점과 176명의 새로운 SaaS 구독자의 추가를 포함한 중요한 비즈니스 발전을 보고했습니다. 이 회사는 증가한 총 달러 가치의 적재량을 활용하고 직접 고용주와의 파트너십을 통해 자가 자금 조달 수익 접근 모델을 도입하여 비용 절감 이니셔티브를 시행하고 있습니다.
회사는 예정된 지불을 출시하여 AnyDay™ 회원들이 매달 두 번의 무료 팁 입금을 직접 은행 계좌로 받을 수 있도록 하고 있습니다. 2025년 2분기부터 사용자는 AnyDay 플랫폼을 통해 격월 일정 외에 자신의 수익 일부를 요청할 수 있습니다.
XTM은 AnyDay™ 생태계에 대한 집중을 강화하고 있으며, 2025년 2분기 중반까지 물리적 카드 의존도를 줄이기 위해 가상 카드 기능을 출시할 계획입니다. 이 회사는 북미 전역의 직접 고용주 관계를 통해 수익성을 우선시하며, 유리한 자금 조달 옵션을 탐색하고 있습니다.
XTM (XTMIF) fait état de développements commerciaux significatifs au premier trimestre 2025, y compris l’ajout de 90 nouveaux emplacements et 176 nouveaux abonnés SaaS. L’entreprise met en œuvre des initiatives de réduction des coûts en tirant parti de l’augmentation du volume de charge de la Valeur Brute en Dollars et en introduisant un modèle d’accès aux revenus autofinancé grâce à des partenariats directs avec des employeurs.
L’entreprise a lancé Paiements Programmés, permettant aux membres de AnyDay™ de recevoir deux dépôts mensuels de pourboires gagnés directement sur leurs comptes bancaires. À partir du deuxième trimestre 2025, les utilisateurs peuvent demander des portions de leurs revenus au-delà du calendrier bimestriel via la plateforme AnyDay.
XTM renforce son attention sur l’écosystème AnyDay™, avec l’intention de lancer une fonctionnalité de carte virtuelle d’ici la mi-deuxième trimestre 2025 afin de réduire la dépendance aux cartes physiques. L’entreprise continue de donner la priorité à la rentabilité grâce à des relations directes avec des employeurs en Amérique du Nord tout en explorant des options de financement avantageuses.
XTM (XTMIF) berichtet über bedeutende Geschäftsentwicklungen im ersten Quartal 2025, einschließlich der Hinzufügung von 90 neuen Standorten und 176 neuen SaaS-Abonnenten. Das Unternehmen implementiert Kostensenkungsinitiativen, indem es das gestiegene Bruttodollarwert-Lastvolumen nutzt und ein selbstfinanziertes Modell für den Zugang zu Einnahmen durch direkte Arbeitgeberpartnerschaften einführt.
Das Unternehmen hat Geplante Zahlungen eingeführt, die es AnyDay™-Mitgliedern ermöglichen, zwei kostenlose monatliche Trinkgeld-Einzahlungen direkt auf ihre Bankkonten zu erhalten. Ab dem zweiten Quartal 2025 können Nutzer über die AnyDay-Plattform Teile ihrer Einnahmen über den zwei-monatlichen Zeitplan hinaus anfordern.
XTM verstärkt seinen Fokus auf das AnyDay™-Ökosystem und plant, bis zur Mitte des zweiten Quartals 2025 eine virtuelle Kartenfunktion einzuführen, um die Abhängigkeit von physischen Karten zu reduzieren. Das Unternehmen priorisiert weiterhin die Rentabilität durch direkte Arbeitgeberbeziehungen in Nordamerika, während es vorteilhafte Finanzierungsoptionen erkundet.
Positive
- Addition of 90 new locations and 176 new SaaS subscribers in Q1 2025
- Cost reduction through improved GDV load volume negotiations
- Introduction of new revenue stream through self-funded earnings access model
- Launch of virtual card feature to reduce physical card costs
Negative
- Ongoing need for financing negotiations indicates potential capital requirements
- Strategic shift away from physical cards may impact existing card-based revenue streams
Company Expands Earnings Access Options, Strengthens AnyDay™ Brand, and Adds 90 New Locations in Q1 2025
Growth and Profitability Initiatives
- The Company added 90 new locations and 176 new SaaS subscribers in Q1 2025.
- Cost reduction initiatives: The company is leveraging increased Gross Dollar Value (GDV) load volume to negotiate lower cost of goods sold.
- Self-Funded Earnings Access Model: The Company is shifting focus to direct employer partnerships, enabling businesses to self-fund their Earnings Access programs while earning interest on payroll allocations empowering a sustainable and profitable business model.
- The Company continues negotiations on financing options beneficial to shareholders and the business.
New Scheduled Payments Direct to Bank Accounts
To enhance flexibility and compliance, XTM has introduced Scheduled Payments, allowing AnyDay™ members to by-pass the card and instead opt in for two free monthly earned tip deposits directly to their bank accounts. In addition, effective in the second quarter of 2025, Scheduled Payments users are able to make in-app requests for a portion of their earnings to bank account, beyond twice a month, to AnyDay, AnyHour, AnyMinute with a simple tap — an essential tool for unforeseen financial needs.
Commitment to AnyDay™ and Strategic Shift from Physical Cards
Following a recent market analysis, XTM has reaffirmed its commitment to the AnyDay™ ecosystem, ensuring members and clients continue to benefit from its tailor-made B2B2C solution. To sharpen its strategic focus, the Company has renewed its determination to invest in the AnyDay™ platform and retain its users in its ecosystem, delivering unmatched value, with a runway of opportunity for further optimization.
As part of this strategic focus, XTM will launch a virtual card feature within the AnyDay™ app by mid-Q2 2025, reducing reliance on physical cards and eliminating the costs and logistical challenges associated with card issuance.
XTM remains sharply-focused on profitability, prioritizing direct relationships with employers across
About XTM Inc.
XTM is a leading fintech company that provides innovative payment solutions, including Earned Wage Access (EWA), to businesses in the hospitality, personal care, and staffing industries. Its flagship product, AnyDay™, allows employees to access their earned wages on-demand. XTM’s fully owned subsidiary, QRails, offers a cloud-based payment platform that powers on-demand pay for workers and payroll providers globally.
For more information about XTM, visit xtminc.com
Disclaimer for Forward Looking Statements
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 management’s plans regarding its businesses. 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.
While we have based these forward-looking statements on our expectations about future events as at the date that such statements were prepared, the statements are not a guarantee that such future events will occur and are subject to risks, uncertainties, assumptions and other factors which could cause events or outcomes to differ materially from those expressed or implied by such forward-looking statements. There can be no assurance that forward-looking statements will prove to be accurate, as actual results and future events could differ materially from those anticipated in such statements. Accordingly, readers should not place undue reliance on forward-looking statements. The Company does not undertake any obligation to update or alter any forward-looking statements except as required under applicable securities laws. For the reasons set forth above, undue reliance should not be placed on forward-looking statements.
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.
View source version on businesswire.com: https://www.businesswire.com/news/home/20250325826164/en/
For more information please contact:
Jayme Derkson
finance@xtminc.com
416.260.1641
Source: XTM Inc.
FAQ
How many new locations and SaaS subscribers did XTMIF add in Q1 2025?
XTM added 90 new locations and 176 new SaaS subscribers in Q1 2025.
What new payment feature is XTMIF introducing for AnyDay users in Q2 2025?
XTMIF is introducing Scheduled Payments, allowing users to request portions of their earnings to their bank accounts beyond the standard bi-monthly deposits.
When will XTMIF launch its virtual card feature in the AnyDay app?
XTM plans to launch the virtual card feature within the AnyDay app by mid-Q2 2025.
How is XTMIF improving its earnings access model for better profitability?
XTMIF is shifting to direct employer partnerships where businesses self-fund their Earnings Access programs while earning interest on payroll allocations.
