XTM
DIFFERENCE

Our mobile wallet is a bank in a box appealing to millennials.

XTM provides all the functionality of a bank account – better and cheaper.

We create customer conversion quickly, efficiently and economically by working with connected communities already segmented by trade, customer type, geography and or workplace.

Our business model relies on a business, employers or government to load funds; and the user to spend daily using our mobile wallet.

We make the user-conversion a no-brainer by offering near-free features and added monthly benefits such as insurance.

FUNDS
FLOW

Fees/Earnings are deposited by Employer to mobile wallet.

XTM designs and builds customer admin portals for customers to self-manage their programs.

Employees benefit from real-time access to their funds.

  • icon of a bank to represent that XTM provides bank in a box solutions for money distribution

    EMPLOYER

  • icon of a bank to represent XTM provides bank in a box solutions for money distribution

    XTM FUNDING ACCOUNT

  • icon of a bank to represent that XTM provides bank in a box solutions for money distribution

    MASTER WALLET SETTLEMENT ACCOUNT

  • icon representing card programs distributing money to mobile wallet and prepaid card

    EMPLOYEE MOBILE WALLET AND PREPAID CARD

  • icon representing the fact that Cardholders enjoy plenty of ways to use the card program

    • POS SPEND
    • ATM
    • INTERAC E-TRANSFERS
    • CARD TO CARD TRANSFER
    • PRE-AUTHORIZED DEBIT

OUR PARTNERS

Image of the DC Bank logo
Logo of Fintrac, a partner of XTM Inc
Logo of FIS - Fidelity National Information Services Inc, an XTM Inc partner
Royal bank of canada logo, a partner of XTM inc
interac logo
PACE credit union logo, a partner of XTM INC
Payments Canada logo, a partner of XTM Inc
People's group logo, a partner of XTM Inc