<p>多伦多 --（商业资讯）--XTM Inc.（OTCQB: XTMIF | CSE: PAID）（以下简称 “ <strong>公司</strong>”）就 2026 年 1 月 26 日发生的平台服务中断（以下简称 “ <strong>中断</strong>”）提供更新，该中断与 2025 年 10 月 22 日披露的与 Everyday People Financial Corp 签订的管理服务协议（以下简称 “ <strong>MSA</strong>”）相关，并在 2026 年 2 月 2 日和 2026 年 2 月 5 日进行了进一步披露。公司确认，根据 MSA，公司于 2025 年 11 月 30 日签署了一项封闭账户协议，限制了公司从其账户中转移资金的能力。在 2025 年 11 月 30 日晚上 11:59，公司将其账户的控制权转移给 Everyday People Financial Corp 时，钱包余额为 12,830,224.20 美元。截至 2026 年 1 月 26 日，许多商业用户由于资金操作在未通知或未提供具体指示的情况下被突然修改，无法通过其商业门户进行交易。公司正在调查未经授权的修改对企业和公司的运营层面影响，包括停止贷款活动和某些平衡程序。此外，未经公司具体指示使用预授权借记的情况也在调查中。公司正在考虑恢复门户钱包余额的所有可能选项。目前，公司尚未确定具体计划，并正在与各方合作寻求解决方案。</p>
<p>根据加拿大银行于 2026 年 2 月 17 日发布的合规命令（以下简称 “ <strong>命令</strong>”），公司将暂时停止其商业门户平台的运营。根据命令，公司将停止所有零售支付活动，包括提款。公司将停止作为注册于加拿大银行的支付服务提供商的运营，以遵守命令。根据命令，公司预计将在命令发布之日起七天内向加拿大银行提供一项计划，说明公司打算如何遵守《零售支付活动法》（RPAA）下的义务，并在适用的情况下，将公司的零售支付活动转移到另一家根据 RPAA 注册或已申请注册的支付服务提供商。根据命令，公司自命令发布之日起有 14 天的时间向加拿大银行提出是否应撤销命令的陈述。如果公司在命令发布之日起 14 天内未提出陈述，或者如果公司提出陈述，但加拿大银行不满意撤销命令的充分理由，则命令将继续有效，除非被撤销。</p>
<p>与中断无关，公司确认，Everyday People Payments Financial 借记卡持有的资金自 2020 年该项目启动以来，已由一家加拿大一级特许银行持有并继续以信托形式持有，这些资金占公司收入的很大一部分。</p>
<p>公司及其董事会、法律顾问和会计师正在考虑所有可用选项，包括但不限于新的贷款设施、各种融资或重组安排以及恢复商户钱包余额的计划。公司在 CSE 上以 “PAID” 交易代码交易的普通股将继续暂停，直到确定该事项已得到令人满意的解决。公司打算在更多信息浮出水面并根据法律要求时进行进一步披露。</p>
<p><strong>关于 XTM Inc.</strong></p>
<p>根据命令的条款，XTM Inc.是一家总部位于多伦多的金融科技服务提供商，也是 <strong>AnyDay®</strong> 的创始人，该平台提供实时工资、小费和已赚工资的访问。AnyDay 作为一种合规优先的解决方案，已在酒店、个人护理和零售行业得到广泛采用（www.paidanyday.com）。XTM 及其附属公司受命令条款的约束，建议读者完整阅读命令。</p>
<p><strong>关于前瞻性信息的警示说明</strong></p>
<p>本新闻稿中的某些声明为前瞻性声明，包括关于公司的未来计划。前瞻性声明是指那些并非纯粹历史性的声明，包括任何关于未来的信念、计划、期望或意图的声明。这类信息通常可以通过使用诸如 “可能”、“期望”、“估计”、“预期”、“打算”、“相信” 和 “继续” 或其否定形式或类似变体的前瞻性措辞来识别。本新闻稿中的一些具体前瞻性信息包括但不限于：关于寻求贷款设施的未来计划、项目存款、避免服务中断的目标、资金使用、公司的计划与监管机构的互动，以及考虑可用选项，包括公司作为持续经营实体的能力。读者需谨慎，准备任何前瞻性信息所使用的假设可能被证明是错误的。事件或情况可能导致实际结果与预测结果存在重大差异，原因包括众多已知和未知的风险、不确定性及其他因素，其中许多超出了公司的控制范围，包括但不限于商业、经济和资本市场状况、管理运营费用的能力、对关键人员的依赖、遵守包括贷款人在内的各种协议。此类声明和信息基于对公司未来运营环境（包括金融科技行业）、预期成本和实现目标能力的众多假设。可能导致实际结果与前瞻性声明中的结果存在重大差异的因素包括：资本和融资的持续可用性、诉讼、交易对手未能履行其合同义务、未能获得监管或公司批准、关键员工和顾问的流失，以及一般经济、市场或商业条件。本新闻稿中包含的前瞻性声明明确受到此警示声明的限制。读者需谨慎，不要对任何前瞻性信息过度依赖。本新闻稿中包含的前瞻性声明是在本新闻稿发布之日作出的。除法律要求外，公司不承担更新或修订任何前瞻性声明的意图和义务，无论是由于新信息、未来事件还是其他原因。</p>
<p>本新闻稿不构成在美国出售任何证券的要约或购买任何证券的邀请。该证券尚未并将不会根据《1933 年美国证券法》（修订版）（“<strong>美国证券法</strong>”）或任何州证券法进行注册，且不得在美国境内或向美国人士（根据美国证券法的定义）提供或出售，除非根据美国证券法和适用州证券法进行注册，或可用的注册豁免。</p>
<p>CSE 既未批准也未否决本新闻稿的内容，CSE 对本发布的充分性或准确性不承担责任。</p>
<p><img src="https://imageproxy.pbkrs.com/https://cts.businesswire.com/ct/CT/query-ZGlzdHJvPW54JmlkPWJ3bmV3cyZsYW5nPWVuJnNpZD1hY3FyOCZzdHk9MjAyNjAyMTkxMDc0MTdyMQ?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://cts.businesswire.com/ct/CT/query-ZGlzdHJvPW54JmlkPWJ3bmV3cyZsYW5nPWVuJnNpZD1hY3FyOCZzdHk9MjAyNjAyMTkxMDc0MTdyMQ"/></p>
<p>在 businesswire.com 查看源版本：https://www.businesswire.com/news/home/20260219107417/en/</p>
<p><strong>更多信息：</strong></p>
<p>Marilyn Schaffer，首席执行官</p>
<p>finance@xtminc.com</p>
<p>电话：416-260-1641</p>
<p>来源：XTM Inc.</p>

<p>XTM Inc. 报告称，其 Everyday People Payments 平台出现服务中断，该中断始于 2026 年 1 月 26 日。此次中断与加拿大银行的一项合规命令有关，该命令要求公司停止运营和零售支付活动。公司正在调查影响商业交易的未经授权的修改，并考虑恢复钱包余额的选项。XTM 在 CSE 的股票交易已暂停，直至情况得到解决。XTM 还在探索融资和重组选项，以遵守监管义务</p>

<p>TORONTO--(BUSINESS WIRE)--XTM Inc. (OTCQB: XTMIF | CSE: PAID) (the “ <strong>Company</strong>”) provides an update on the platform service outage that occurred on January 26, 2026 (the “ <strong>Outage</strong>”) and is continuing in connection with the Management Services Agreement (“ <strong>MSA</strong>”) entered with Everyday People Financial Corp which was previously disclosed on October 22, 2025, February 2, 2026 and February 5, 2026. The Company confirms that as part of the MSA, the Company executed a blocked account agreement on November 30, 2025 which restricts the Company’s ability to move funds from its accounts. On the date that the Company transfered control of its accounts to Everyday People Financial Corp. at 11:59 pm on November 30, 2025 the wallet balances were $12,830,224.20. Many business users as of January 26, 2026 could not transact from their business portal due to funding practices being abruptly modified without notice or specific instructions of the Company. The Company is investigating the operational level impact the unauthorized modifications had on businesses and the Company, including the cessation of lending activity and certain balancing procedures. Also, the use of pre-authorized debits without the specific instructions of the Company is under investigation. All options that may be available to the Company related to restoring portal wallet balances are being considered. At this time, the Company does not have certainty on a specific plan and is working with various parties for resolution.</p>
<div class="lb-trans"><p>多伦多 --（商业资讯）--XTM Inc.（OTCQB: XTMIF | CSE: PAID）（以下简称 “ <strong>公司</strong>”）就 2026 年 1 月 26 日发生的平台服务中断（以下简称 “ <strong>中断</strong>”）提供更新，该中断与 2025 年 10 月 22 日披露的与 Everyday People Financial Corp 签订的管理服务协议（以下简称 “ <strong>MSA</strong>”）相关，并在 2026 年 2 月 2 日和 2026 年 2 月 5 日进行了进一步披露。公司确认，根据 MSA，公司于 2025 年 11 月 30 日签署了一项封闭账户协议，限制了公司从其账户中转移资金的能力。在 2025 年 11 月 30 日晚上 11:59，公司将其账户的控制权转移给 Everyday People Financial Corp 时，钱包余额为 12,830,224.20 美元。截至 2026 年 1 月 26 日，许多商业用户由于资金操作在未通知或未提供具体指示的情况下被突然修改，无法通过其商业门户进行交易。公司正在调查未经授权的修改对企业和公司的运营层面影响，包括停止贷款活动和某些平衡程序。此外，未经公司具体指示使用预授权借记的情况也在调查中。公司正在考虑恢复门户钱包余额的所有可能选项。目前，公司尚未确定具体计划，并正在与各方合作寻求解决方案。</p>
</div><p>Pursuant to a compliance order issued by the Bank of Canada on February 17, 2026 (the “ <strong>Order</strong>”), the Company will temporarily cease the operations of its business portal platform. Further to the Order, the Company will be ceasing all retail payment activities including withdrawals. The Company will cease to maintain operations as a payment service provider that is registered with the Bank of Canada pursuant to, and in compliance with, the Order. Pursuant to the Order, the Company expects within seven days of the date of the Order, to provide the Bank of Canada with a plan of how the Company intends on complying with its obligations under the <em>Retail Payment Activities Act</em>(RPAA), and if applicable, transition the Company’s retail payments activities to another payment service provider that is registered under the RPAA or has applied for registration. Pursuant to the Order, the Company has 14 days from the date of the Order to make representations to the Bank of Canada about whether the Order shall be revoked. In the event that the Company does not make representations within 14 days of the date of the Order, or if the Company makes representations, and the Bank of Canada is not satisfied that there are sufficient grounds for revoking the Order, then the Order continues to be in effect, unless it is revoked.</p>
<div class="lb-trans"><p>根据加拿大银行于 2026 年 2 月 17 日发布的合规命令（以下简称 “ <strong>命令</strong>”），公司将暂时停止其商业门户平台的运营。根据命令，公司将停止所有零售支付活动，包括提款。公司将停止作为注册于加拿大银行的支付服务提供商的运营，以遵守命令。根据命令，公司预计将在命令发布之日起七天内向加拿大银行提供一项计划，说明公司打算如何遵守《零售支付活动法》（RPAA）下的义务，并在适用的情况下，将公司的零售支付活动转移到另一家根据 RPAA 注册或已申请注册的支付服务提供商。根据命令，公司自命令发布之日起有 14 天的时间向加拿大银行提出是否应撤销命令的陈述。如果公司在命令发布之日起 14 天内未提出陈述，或者如果公司提出陈述，但加拿大银行不满意撤销命令的充分理由，则命令将继续有效，除非被撤销。</p>
</div><p>Unrelated to the Outage, the Company confirms that cardholder funds in respect of Everyday People Payments Financial debit cards which make up a significant portion of the Company’s revenues are held and continue to be held in trust since the program’s inception in 2020 with a Canadian Schedule 1 Chartered bank.</p>
<div class="lb-trans"><p>与中断无关，公司确认，Everyday People Payments Financial 借记卡持有的资金自 2020 年该项目启动以来，已由一家加拿大一级特许银行持有并继续以信托形式持有，这些资金占公司收入的很大一部分。</p>
</div><p>The Company including its board of directors, legal counsel and accountants are considering all options available to it, including but not limited to a new lending facility, various forms of financing or restructuring arrangements and a plan to restore merchant wallet balances. The trading in the Company’s common shares under the trading ticker “PAID” on the CSE will remain halted until it is determined that the matter has been satisfactorily resolved. Company intends to make further disclosure as more information comes to light and as required by law.</p>
<div class="lb-trans"><p>公司及其董事会、法律顾问和会计师正在考虑所有可用选项，包括但不限于新的贷款设施、各种融资或重组安排以及恢复商户钱包余额的计划。公司在 CSE 上以 “PAID” 交易代码交易的普通股将继续暂停，直到确定该事项已得到令人满意的解决。公司打算在更多信息浮出水面并根据法律要求时进行进一步披露。</p>
</div><p><strong>About XTM Inc.</strong></p>
<div class="lb-trans"><p><strong>关于 XTM Inc.</strong></p>
</div><p>Subject to the terms of the Order, XTM Inc. is a Toronto-based fintech enabler and the founder of <strong>AnyDay®</strong>, a real-time payroll, tip, and earned wage access platform. Designed as a compliance-first solution, AnyDay has been widely adopted across the hospitality, personal care, and retail sectors (www.paidanyday.com). XTM and its affiliates are subject to the terms of the Order and readers are encouraged to read the Order in its entirety.</p>
<div class="lb-trans"><p>根据命令的条款，XTM Inc.是一家总部位于多伦多的金融科技服务提供商，也是 <strong>AnyDay®</strong> 的创始人，该平台提供实时工资、小费和已赚工资的访问。AnyDay 作为一种合规优先的解决方案，已在酒店、个人护理和零售行业得到广泛采用（www.paidanyday.com）。XTM 及其附属公司受命令条款的约束，建议读者完整阅读命令。</p>
</div><p><strong>CAUTIONARY NOTE REGARDING FORWARD-LOOKING INFORMATION</strong></p>
<div class="lb-trans"><p><strong>关于前瞻性信息的警示说明</strong></p>
</div><p>Certain statements in this news release are forward-looking statements, including with respect to future plans of the Company. Forward-looking statements consist of statements that are not purely historical, including any statements regarding beliefs, plans, expectations or intentions regarding the future. Such information can generally be identified by the use of forwarding-looking wording such as &#34;may&#34;, &#34;expect&#34;, &#34;estimate&#34;, &#34;anticipate&#34;, &#34;intend&#34;, &#34;believe&#34; and &#34;continue&#34; or the negative thereof or similar variations. Some of the specific forward-looking information in this news release includes, but is not limited to, statements with respect to: future plans in respect of seeking a lending facility, the program deposits, the objective of avoiding service disruptions, use of funds, the plans of the Company and engagement with regulators, and consideration of available options including the Company’s ability to continue as a going concern. The reader is cautioned that assumptions used in the preparation of any forward-looking information may prove to be incorrect. Events or circumstances may cause actual results to differ materially from those predicted, as a result of numerous known and unknown risks, uncertainties, and other factors, many of which are beyond the control of the Company, including but not limited to, business, economic and capital market conditions, the ability to manage operating expenses, dependence on key personnel, compliance with various agreements including lenders. Such statements and information are based on numerous assumptions regarding present and future business strategies and the environment in which the Company will operate in the future including in the fintech industry, anticipated costs, and the ability to achieve goals. Factors that could cause the actual results to differ materially from those in forward looking statements include, the continued availability of capital and financing, litigation, failure of counterparties to perform their contractual obligations, failure to obtain regulatory or corporate approvals, loss of key employees and consultants, and general economic, market or business conditions. Forward-looking statements contained in this news release are expressly qualified by this cautionary statement. The reader is cautioned not to place undue reliance on any forward-looking information. The forward-looking statements contained in this news release are made as of the date of this news release. Except as required by law, the Company disclaims any intention and assumes no obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.</p>
<div class="lb-trans"><p>本新闻稿中的某些声明为前瞻性声明，包括关于公司的未来计划。前瞻性声明是指那些并非纯粹历史性的声明，包括任何关于未来的信念、计划、期望或意图的声明。这类信息通常可以通过使用诸如 “可能”、“期望”、“估计”、“预期”、“打算”、“相信” 和 “继续” 或其否定形式或类似变体的前瞻性措辞来识别。本新闻稿中的一些具体前瞻性信息包括但不限于：关于寻求贷款设施的未来计划、项目存款、避免服务中断的目标、资金使用、公司的计划与监管机构的互动，以及考虑可用选项，包括公司作为持续经营实体的能力。读者需谨慎，准备任何前瞻性信息所使用的假设可能被证明是错误的。事件或情况可能导致实际结果与预测结果存在重大差异，原因包括众多已知和未知的风险、不确定性及其他因素，其中许多超出了公司的控制范围，包括但不限于商业、经济和资本市场状况、管理运营费用的能力、对关键人员的依赖、遵守包括贷款人在内的各种协议。此类声明和信息基于对公司未来运营环境（包括金融科技行业）、预期成本和实现目标能力的众多假设。可能导致实际结果与前瞻性声明中的结果存在重大差异的因素包括：资本和融资的持续可用性、诉讼、交易对手未能履行其合同义务、未能获得监管或公司批准、关键员工和顾问的流失，以及一般经济、市场或商业条件。本新闻稿中包含的前瞻性声明明确受到此警示声明的限制。读者需谨慎，不要对任何前瞻性信息过度依赖。本新闻稿中包含的前瞻性声明是在本新闻稿发布之日作出的。除法律要求外，公司不承担更新或修订任何前瞻性声明的意图和义务，无论是由于新信息、未来事件还是其他原因。</p>
</div><p>This news release does not constitute an offer to sell, or a solicitation of an offer to buy, any securities in the United States. The securities have not been and will not be registered under the United States Securities Act of 1933, as amended (the &#34; <strong>U.S. Securities Act&#34;)</strong> or any state securities laws and may not be offered or sold within the United States or to U.S. Persons (as defined under the U.S. Securities Act) unless registered under the U.S. Securities Act and applicable state securities laws or an exemption from such registration is available.</p>
<div class="lb-trans"><p>本新闻稿不构成在美国出售任何证券的要约或购买任何证券的邀请。该证券尚未并将不会根据《1933 年美国证券法》（修订版）（“<strong>美国证券法</strong>”）或任何州证券法进行注册，且不得在美国境内或向美国人士（根据美国证券法的定义）提供或出售，除非根据美国证券法和适用州证券法进行注册，或可用的注册豁免。</p>
</div><p>The CSE has neither approved nor disapproved the contents of this press release and the CSE does not accept responsibility for the adequacy or accuracy of this release.</p>
<div class="lb-trans"><p>CSE 既未批准也未否决本新闻稿的内容，CSE 对本发布的充分性或准确性不承担责任。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://cts.businesswire.com/ct/CT/query-ZGlzdHJvPW54JmlkPWJ3bmV3cyZsYW5nPWVuJnNpZD1hY3FyOCZzdHk9MjAyNjAyMTkxMDc0MTdyMQ" alt="" original-src="https://cts.businesswire.com/ct/CT?id=bwnews&amp;sty=20260219107417r1&amp;sid=acqr8&amp;distro=nx&amp;lang=en"/></p>
<p>View source version on businesswire.com: https://www.businesswire.com/news/home/20260219107417/en/</p>
<div class="lb-trans"><p>在 businesswire.com 查看源版本：https://www.businesswire.com/news/home/20260219107417/en/</p>
</div><p><strong>For more information:</strong></p>
<div class="lb-trans"><p><strong>更多信息：</strong></p>
</div><p>Marilyn Schaffer, CEO</p>
<div class="lb-trans"><p>Marilyn Schaffer，首席执行官</p>
</div><p>finance@xtminc.com</p>
<div class="lb-trans"><p>finance@xtminc.com</p>
</div><p>Tel: 416-260-1641</p>
<div class="lb-trans"><p>电话：416-260-1641</p>
</div><p>Source: XTM Inc.</p>
<div class="lb-trans"><p>来源：XTM Inc.</p>
</div>

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