<p>多倫多 --（商業資訊）--XTM Inc.（OTCQB: XTMIF | CSE: PAID）（以下簡稱 “ <strong>公司</strong>”）就 2026 年 1 月 26 日發生的平台服務中斷（以下簡稱 “ <strong>中斷</strong>”）提供更新，該中斷與 2025 年 10 月 22 日披露的與 Everyday People Financial Corp 簽訂的管理服務協議（以下簡稱 “ <strong>MSA</strong>”）相關，並在 2026 年 2 月 2 日和 2026 年 2 月 5 日進行了進一步披露。公司確認，根據 MSA，公司於 2025 年 11 月 30 日簽署了一項封閉賬户協議，限制了公司從其賬户中轉移資金的能力。在 2025 年 11 月 30 日晚上 11:59，公司將其賬户的控制權轉移給 Everyday People Financial Corp 時，錢包餘額為 12,830,224.20 美元。截至 2026 年 1 月 26 日，許多商業用户由於資金操作在未通知或未提供具體指示的情況下被突然修改，無法通過其商業門户進行交易。公司正在調查未經授權的修改對企業和公司的運營層面影響，包括停止貸款活動和某些平衡程序。此外，未經公司具體指示使用預授權借記的情況也在調查中。公司正在考慮恢復門户錢包餘額的所有可能選項。目前，公司尚未確定具體計劃，並正在與各方合作尋求解決方案。</p>
<p>根據加拿大銀行於 2026 年 2 月 17 日發佈的合規命令（以下簡稱 “ <strong>命令</strong>”），公司將暫時停止其商業門户平台的運營。根據命令，公司將停止所有零售支付活動，包括提款。公司將停止作為註冊於加拿大銀行的支付服務提供商的運營，以遵守命令。根據命令，公司預計將在命令發佈之日起七天內向加拿大銀行提供一項計劃，説明公司打算如何遵守《零售支付活動法》（RPAA）下的義務，並在適用的情況下，將公司的零售支付活動轉移到另一家根據 RPAA 註冊或已申請註冊的支付服務提供商。根據命令，公司自命令發佈之日起有 14 天的時間向加拿大銀行提出是否應撤銷命令的陳述。如果公司在命令發佈之日起 14 天內未提出陳述，或者如果公司提出陳述，但加拿大銀行不滿意撤銷命令的充分理由，則命令將繼續有效，除非被撤銷。</p>
<p>與中斷無關，公司確認，Everyday People Payments Financial 借記卡持有的資金自 2020 年該項目啓動以來，已由一家加拿大一級特許銀行持有並繼續以信託形式持有，這些資金佔公司收入的很大一部分。</p>
<p>公司及其董事會、法律顧問和會計師正在考慮所有可用選項，包括但不限於新的貸款設施、各種融資或重組安排以及恢復商户錢包餘額的計劃。公司在 CSE 上以 “PAID” 交易代碼交易的普通股將繼續暫停，直到確定該事項已得到令人滿意的解決。公司打算在更多信息浮出水面並根據法律要求時進行進一步披露。</p>
<p><strong>關於 XTM Inc.</strong></p>
<p>根據命令的條款，XTM Inc.是一家總部位於多倫多的金融科技服務提供商，也是 <strong>AnyDay®</strong> 的創始人，該平台提供實時工資、小費和已賺工資的訪問。AnyDay 作為一種合規優先的解決方案，已在酒店、個人護理和零售行業得到廣泛採用（www.paidanyday.com）。XTM 及其附屬公司受命令條款的約束，建議讀者完整閲讀命令。</p>
<p><strong>關於前瞻性信息的警示説明</strong></p>
<p>本新聞稿中的某些聲明為前瞻性聲明，包括關於公司的未來計劃。前瞻性聲明是指那些並非純粹歷史性的聲明，包括任何關於未來的信念、計劃、期望或意圖的聲明。這類信息通常可以通過使用諸如 “可能”、“期望”、“估計”、“預期”、“打算”、“相信” 和 “繼續” 或其否定形式或類似變體的前瞻性措辭來識別。本新聞稿中的一些具體前瞻性信息包括但不限於：關於尋求貸款設施的未來計劃、項目存款、避免服務中斷的目標、資金使用、公司的計劃與監管機構的互動，以及考慮可用選項，包括公司作為持續經營實體的能力。讀者需謹慎，準備任何前瞻性信息所使用的假設可能被證明是錯誤的。事件或情況可能導致實際結果與預測結果存在重大差異，原因包括眾多已知和未知的風險、不確定性及其他因素，其中許多超出了公司的控制範圍，包括但不限於商業、經濟和資本市場狀況、管理運營費用的能力、對關鍵人員的依賴、遵守包括貸款人在內的各種協議。此類聲明和信息基於對公司未來運營環境（包括金融科技行業）、預期成本和實現目標能力的眾多假設。可能導致實際結果與前瞻性聲明中的結果存在重大差異的因素包括：資本和融資的持續可用性、訴訟、交易對手未能履行其合同義務、未能獲得監管或公司批准、關鍵員工和顧問的流失，以及一般經濟、市場或商業條件。本新聞稿中包含的前瞻性聲明明確受到此警示聲明的限制。讀者需謹慎，不要對任何前瞻性信息過度依賴。本新聞稿中包含的前瞻性聲明是在本新聞稿發佈之日作出的。除法律要求外，公司不承擔更新或修訂任何前瞻性聲明的意圖和義務，無論是由於新信息、未來事件還是其他原因。</p>
<p>本新聞稿不構成在美國出售任何證券的要約或購買任何證券的邀請。該證券尚未並將不會根據《1933 年美國證券法》（修訂版）（“<strong>美國證券法</strong>”）或任何州證券法進行註冊，且不得在美國境內或向美國人士（根據美國證券法的定義）提供或出售，除非根據美國證券法和適用州證券法進行註冊，或可用的註冊豁免。</p>
<p>CSE 既未批准也未否決本新聞稿的內容，CSE 對本發佈的充分性或準確性不承擔責任。</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，首席執行官</p>
<p>finance@xtminc.com</p>
<p>電話：416-260-1641</p>
<p>來源：XTM Inc.</p>

<p>XTM Inc. 報告稱，其 Everyday People Payments 平台出現服務中斷，該中斷始於 2026 年 1 月 26 日。此次中斷與加拿大銀行的一項合規命令有關，該命令要求公司停止運營和零售支付活動。公司正在調查影響商業交易的未經授權的修改，並考慮恢復錢包餘額的選項。XTM 在 CSE 的股票交易已暫停，直至情況得到解決。XTM 還在探索融資和重組選項，以遵守監管義務</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>多倫多 --（商業資訊）--XTM Inc.（OTCQB: XTMIF | CSE: PAID）（以下簡稱 “ <strong>公司</strong>”）就 2026 年 1 月 26 日發生的平台服務中斷（以下簡稱 “ <strong>中斷</strong>”）提供更新，該中斷與 2025 年 10 月 22 日披露的與 Everyday People Financial Corp 簽訂的管理服務協議（以下簡稱 “ <strong>MSA</strong>”）相關，並在 2026 年 2 月 2 日和 2026 年 2 月 5 日進行了進一步披露。公司確認，根據 MSA，公司於 2025 年 11 月 30 日簽署了一項封閉賬户協議，限制了公司從其賬户中轉移資金的能力。在 2025 年 11 月 30 日晚上 11:59，公司將其賬户的控制權轉移給 Everyday People Financial Corp 時，錢包餘額為 12,830,224.20 美元。截至 2026 年 1 月 26 日，許多商業用户由於資金操作在未通知或未提供具體指示的情況下被突然修改，無法通過其商業門户進行交易。公司正在調查未經授權的修改對企業和公司的運營層面影響，包括停止貸款活動和某些平衡程序。此外，未經公司具體指示使用預授權借記的情況也在調查中。公司正在考慮恢復門户錢包餘額的所有可能選項。目前，公司尚未確定具體計劃，並正在與各方合作尋求解決方案。</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>根據加拿大銀行於 2026 年 2 月 17 日發佈的合規命令（以下簡稱 “ <strong>命令</strong>”），公司將暫時停止其商業門户平台的運營。根據命令，公司將停止所有零售支付活動，包括提款。公司將停止作為註冊於加拿大銀行的支付服務提供商的運營，以遵守命令。根據命令，公司預計將在命令發佈之日起七天內向加拿大銀行提供一項計劃，説明公司打算如何遵守《零售支付活動法》（RPAA）下的義務，並在適用的情況下，將公司的零售支付活動轉移到另一家根據 RPAA 註冊或已申請註冊的支付服務提供商。根據命令，公司自命令發佈之日起有 14 天的時間向加拿大銀行提出是否應撤銷命令的陳述。如果公司在命令發佈之日起 14 天內未提出陳述，或者如果公司提出陳述，但加拿大銀行不滿意撤銷命令的充分理由，則命令將繼續有效，除非被撤銷。</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>與中斷無關，公司確認，Everyday People Payments Financial 借記卡持有的資金自 2020 年該項目啓動以來，已由一家加拿大一級特許銀行持有並繼續以信託形式持有，這些資金佔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>公司及其董事會、法律顧問和會計師正在考慮所有可用選項，包括但不限於新的貸款設施、各種融資或重組安排以及恢復商户錢包餘額的計劃。公司在 CSE 上以 “PAID” 交易代碼交易的普通股將繼續暫停，直到確定該事項已得到令人滿意的解決。公司打算在更多信息浮出水面並根據法律要求時進行進一步披露。</p>
</div><p><strong>About XTM Inc.</strong></p>
<div class="lb-trans"><p><strong>關於 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>根據命令的條款，XTM Inc.是一家總部位於多倫多的金融科技服務提供商，也是 <strong>AnyDay®</strong> 的創始人，該平台提供實時工資、小費和已賺工資的訪問。AnyDay 作為一種合規優先的解決方案，已在酒店、個人護理和零售行業得到廣泛採用（www.paidanyday.com）。XTM 及其附屬公司受命令條款的約束，建議讀者完整閲讀命令。</p>
</div><p><strong>CAUTIONARY NOTE REGARDING FORWARD-LOOKING INFORMATION</strong></p>
<div class="lb-trans"><p><strong>關於前瞻性信息的警示説明</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>本新聞稿中的某些聲明為前瞻性聲明，包括關於公司的未來計劃。前瞻性聲明是指那些並非純粹歷史性的聲明，包括任何關於未來的信念、計劃、期望或意圖的聲明。這類信息通常可以通過使用諸如 “可能”、“期望”、“估計”、“預期”、“打算”、“相信” 和 “繼續” 或其否定形式或類似變體的前瞻性措辭來識別。本新聞稿中的一些具體前瞻性信息包括但不限於：關於尋求貸款設施的未來計劃、項目存款、避免服務中斷的目標、資金使用、公司的計劃與監管機構的互動，以及考慮可用選項，包括公司作為持續經營實體的能力。讀者需謹慎，準備任何前瞻性信息所使用的假設可能被證明是錯誤的。事件或情況可能導致實際結果與預測結果存在重大差異，原因包括眾多已知和未知的風險、不確定性及其他因素，其中許多超出了公司的控制範圍，包括但不限於商業、經濟和資本市場狀況、管理運營費用的能力、對關鍵人員的依賴、遵守包括貸款人在內的各種協議。此類聲明和信息基於對公司未來運營環境（包括金融科技行業）、預期成本和實現目標能力的眾多假設。可能導致實際結果與前瞻性聲明中的結果存在重大差異的因素包括：資本和融資的持續可用性、訴訟、交易對手未能履行其合同義務、未能獲得監管或公司批准、關鍵員工和顧問的流失，以及一般經濟、市場或商業條件。本新聞稿中包含的前瞻性聲明明確受到此警示聲明的限制。讀者需謹慎，不要對任何前瞻性信息過度依賴。本新聞稿中包含的前瞻性聲明是在本新聞稿發佈之日作出的。除法律要求外，公司不承擔更新或修訂任何前瞻性聲明的意圖和義務，無論是由於新信息、未來事件還是其他原因。</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>本新聞稿不構成在美國出售任何證券的要約或購買任何證券的邀請。該證券尚未並將不會根據《1933 年美國證券法》（修訂版）（“<strong>美國證券法</strong>”）或任何州證券法進行註冊，且不得在美國境內或向美國人士（根據美國證券法的定義）提供或出售，除非根據美國證券法和適用州證券法進行註冊，或可用的註冊豁免。</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 既未批准也未否決本新聞稿的內容，CSE 對本發佈的充分性或準確性不承擔責任。</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，首席執行官</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>電話：416-260-1641</p>
</div><p>Source: XTM Inc.</p>
<div class="lb-trans"><p>來源：XTM Inc.</p>
</div>

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