Ms. Marilyn Schaffer reports

XTM INC., THROUGH EVERYDAY PAYMENTS, COMPLETES MIGRATION OF 100,000+ MEMBERS TO VIRTUAL TOKENIZED WALLET PLATFORM; SIGNALS GROWING DEMAND FOR LENDING SOLUTIONS

XTM Inc. has completed the migration of more than 100,000 members to Everyday Payments virtual tokenized (Apple Pay and Google Pay) wallets platform for same-day gratuity, expense and petty cash management. This platform provides a critical service for Canada's front-line hospitality staff and operators.

The migration was completed as part of the previously announced Oct. 24, 2025, strategic management services agreement with Everyday People Financial Corp. (EPF), pursuant to which Everyday Payments was formed as a majority-owned subsidiary of XTM.

With the transition now complete, Everyday Payments reports increasing demand among members for lifestyle enabling financial products across diverse work forces. In alignment with its mission of advancing affordable financial inclusion for working Canadians, Everyday Payments is committed to introducing additional products and services such as lending and overdraft optional programs.

"We are pleased to have completed the migration successfully and to shift focus to the opportunities ahead within this diverse and highly engaged hospitality community," said Tyler Hatch, president of Everyday Payments.

The management services structure has enabled XTM to significantly reduce operational complexity while maintaining recurring platform economics.

"The economics of the Everyday Payments services agreement have allowed the XTM team to shift focus from day-to-day operations toward identifying new payment opportunities across additional verticals and geographies," said Marilyn Schaffer, chief executive officer of XTM. "With a lean team in place, we are actively advancing initiatives in the United States and looking at select international markets, with the objective of replicating the Everyday Payments model globally."

Everyday Payments member benefits

Members currently benefit from:

• Instant access to earnings through a virtual card and digital wallet;
• Seamless tokenization enabling rapid addition to Apple Pay and Google Pay;
• Optional personalized physical card delivered directly to the member's home.

Benefits for hospitality and business operators

Operators benefit from:

• Elimination of physical card inventory management, reducing cost and administrative burden;
• Simple onboarding through progressive identity verification, enabling faster employee access;
• Enhanced compliance and security via digital-first account setup.

About XTM Inc.

XTM is a Toronto-based fintech enabler and the founder of AnyDay, a real-time payroll, tip and earned wage access platform. Designed as a compliance-first solution, AnyDay is widely adopted across the hospitality, personal care and retail sectors. Trusted by leading brands, XTM's platform delivers speed, transparency and regulatory-aligned payroll experiences.

About Everyday Payments

Everyday Payments is a strategic management services subsidiary of XTM to operate the business of delivering employee payouts, in real time. Businesses using the service include hospitality, food service, beauty, wellness and commission-based teams. Leveraging the AnyDay platform, the solution combines a powerful client portal for employers with a flexible app and payment card for cardholders simplifying fund management, improving visibility and control, and providing faster and more predictable access to earnings. The platform is designed to support the future introduction of additional value-added financial services, enabling businesses, and workers to access expanded tools and benefits over time as their needs evolve.

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