Core Viewpoint - XTM Inc. has decided to satisfy accrued interest on its convertible debentures by issuing common shares as of September 30, 2025 [1] Group 1 - XTM Inc. is a fintech company that offers automated tip calculation, instant payout, and earned wage access solutions through its AnyDay platform [1] - The company trades under the ticker symbols CSE: PAID, OTCQB: XTMIF, and FSE: 7XT [1]

Core Insights - XTM Inc. has successfully closed a strategic asset sale to Pateno Payments Inc. for a total consideration of USD $3,000,000, which is expected to strengthen its balance sheet, reduce costs, and accelerate its growth path [1][2]. Financial Impact - The transaction closed on September 17, 2025, and XTM received gross proceeds after customary purchase price adjustments and a 90-day holdback for potential post-closing adjustments [2]. - The company fully repaid its senior debt facility with 2Shores Capital as part of the transaction, releasing security [2]. Strategic Benefits - This divestiture is a pivotal milestone for XTM, expected to significantly reduce monthly operating costs and position the company towards achieving cash neutrality [3]. - XTM will continue to utilize the QRails processing platform, which will help maintain client service while eliminating the costs and complexities of in-house processing [3][4]. - The core QRails engineering team has transitioned to Pateno, which supports continued innovation and operational excellence for both organizations [4]. Company Overview - XTM is a fintech company that leverages technology to transform how workers access and manage their pay through its AnyDay™ platform, offering solutions like automated tip pooling, instant payouts, and Earned Wage Access (EWA) [5]. - The company aims to improve employee satisfaction, retention, and engagement while helping businesses streamline operations and strengthen workforce loyalty [5].

Core Viewpoint - XTM Inc. (DBA AnyDay) is committed to transparency and regulatory compliance, as evidenced by its recent notice from the Canadian Public Accountability Board (CPAB) [1] Company Updates - The Company filed a press release on August 29, 2025, to update stakeholders regarding the CPAB notice [1]