AGENCY LIST

XTM

Toronto, Ontario, Canada
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Real-time payments and digital banking for hospitality workers

XTM Inc is a FinTech company focused on providing real-time payment solutions for the hospitality industry. With operations in Toronto and Miami, XTM offers the AnyDay platform, which allows service-focused businesses like restaurants and salons to efficiently manage payroll and enhance employee retention through on-demand pay.

The company's core services include digital banking, issuing cards, and providing APIs for seamless integration with existing financial systems. XTM's solutions empower workers by offering faster access to earned wages and gratuities, along with additional benefits such as cash-back rewards and budgeting insights.

XTM serves notable clients including Marriott Hotels, Earls, and Live Nation, and is committed to redefining how earnings and tips are delivered in high-churn industries. Their platform integrates with leading payroll and POS systems, ensuring a smooth transition to modern compensation strategies.

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SERVICES

Capabilities

Category

Mobile App Development

Services

What these services involve

Mobile Backend and APIs
Mobile Backend and APIs for mobile app development buyers. Clear scope, measurable outcomes, and reliable delivery.

How XTM scores 44 on Agency List

The Agency List Score rates each listing out of 100 across four equally weighted areas. It measures the strength of the agency's listing and public signals — not the quality of its work.

Presence & Maturity

22 / 25

How complete and how recently maintained this listing is.

  • Has a detailed written overview.
  • Has a tagline summarising what the agency does.
  • 7 of the core profile fields are filled in.
  • Profile details were updated recently.
  • No founding year on record.

Relevance & Capability

9 / 25

How clearly the agency's specialism and services are classified.

  • Assigned to a primary category.
  • No individual services listed.

Credibility & Trust

13 / 25

Contactability and verification signals that show a real business.

  • Listing ownership is not yet verified.
  • A working website is on record.
  • A contact address on the agency's own domain is on record.
  • A phone number is on record.
  • Location is on record.

Authority & Proof

0 / 25

Independent proof of work: reviews, published projects and awards.

  • No published reviews yet.
  • No published project work yet.
  • No awards recorded.

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About this agency on Agency List

XTM is listed on Agency List as part of our global directory of professional agencies. Profiles are compiled using a combination of agency-submitted information, publicly available data, and Agency List classification systems.

This page reflects the most current information available for XTM and may evolve as additional data is verified or updated.

Local context

XTM operates in Toronto, Ontario, Canada serving clients locally and beyond. Agency List organizes firms by geography to help buyers understand the distribution of agencies across regions and markets.

Service markets

Browse service-specific market pages for XTM across the geography this profile serves.

Region

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Data notes

Profile information is derived from agency submissions and public sources. Some attributes may be estimated and are updated over time as additional data becomes available.