XTM Inc. (CSE:PAID) (OTCQB:XTMIF) (FSE: 7XT) is a Miami and Toronto-based fintech innovator in the neo-banking space, helping businesses and service workers in the hospitality and personal care space disseminate and access Earned Wages and Gratuities. XTM's Today™ solution, comprised of a mobile app and wallet paired with a Visa or Mastercard debit card with free banking features, is used by thousands of restaurants, salons and service staff across Canada and the United States.