FUTR Corporation

What FUTR Corporation does

FUTR Corporation (TSXV: FTRC; OTCQB: FTRCF; FRA: QA20) is a Toronto-based public fintech that operates a three-sided, AI-Agent-native consumer finance platform built around the FUTR AI Agent App. The Agent ingests consented consumer data from a SOC2-compliant vault (FutureVault, 500,000+ active vaults) plus a recently acquired North American financial planning dataset of nearly 1.0 million consumer plans, and acts on that data through a set of integrated product modules: FUTR Payments (and FUTR Payments 2.0), an AI-enabled bi-weekly auto loan payment optimization network live across approximately 160 active U.S. auto dealerships in seven states; embedded home and auto insurance quote generation (Southampton Financial); AI-powered rent reporting (Zonetail); and mortgage platform integrations (DWR Residential, with Strategic Advisor Dave Zitting). A tokenized data-monetization layer, FUTR Utility Tokens on Coinbase's BASE blockchain stored in embedded Fireblocks wallets, aligns incentives across consumers, brands, and enterprises.

FUTR generates revenue today primarily from its auto payments business, which earns transaction and enrollment fees per active consumer plus recurring monthly bank processing fees at 85–88% gross margins; the six-month transition period ended December 31, 2025 produced CAD $3.9M in revenue, while Q1 2026 was CAD $1.62M (down YoY after discontinuing Canadian licensing). Distribution is hybrid: direct sales for individual auto dealers; exclusive channel partnerships with the New York State Automobile Dealers Association (~1,000 franchised dealers) and Tax Max (3,000+ dealerships) for scaled dealer acquisition; OEM-style embedded distribution through a binding 75/25 joint venture with EQIBank/EQITrade for AI-Agent-native digital banking across 100+ countries (targeting 200,000 funded accounts and 1M verified active users within 36 months); and a self-serve consumer funnel via the FUTR Agent App waitlist and closed beta. Two additional revenue streams — agent-driven lead generation (target Q3 2026) and premium Agent subscription/transaction services (target Q4 2026) — are pre-commercial. The company has raised approximately CAD $16.45M across two private placements in the relevant period (CAD $6.45M in October 2025 and CAD $4.75M in May 2026) and is led by CEO Alex McDougall (since January 2026) and Chairman G. Scott Paterson (~10% holder).

Name

FUTR Corporation

Legal name

The FUTR Corporation

Website

https://thefutrcorp.com

Company type

Public

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

FUTR Corporation (TSXV: FTRC) is a Toronto-based fintech operating an AI-Agent-native consumer finance platform that pairs a personalized AI Agent and SOC2-compliant data vault with FUTR Payments auto loan optimization across ~160 active U.S. auto dealers, while building toward an EQIBank joint venture for AI-Agent-native digital banking in 100+ countries.

Ownership category

akta.pro rank

Product category

Consumer Fintech / AI Financial Services

NAICS

Sales Financing (52222), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Credit Card Issuing (522210)

SIC

Miscellaneous Business Credit Institution (6159), Finance Services (6199)

akta.pro primary industry

Vertical-Specific POS Financing (e.g., Healthcare, Auto, Home Improvement) (FSAGAIAK)

akta.pro secondary industries

Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Borrowing/Lending Risk & Credit Infrastructure (on-chain credit scoring, risk engines, insurance wrappers) (FSAPAEAI), DeFi Insurance & Protection Markets (covers, mutuals, slashing/peg protection) (FSAPAEAK)

Keywords

• Consumer finance platform
• Auto loan payments
• AI financial agent
• Digital data vault
• Token rewards system

Headquarters

HQ city

Toronto

HQ country

Canada

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Others

Revenue model

1. Revenue Stream 1 - Payment and Banking Rails (Live): Core FUTR Payments auto loan optimization business generating enrollment fees and recurring monthly bank processing fees per active consumer, with gross margins of ~85-88%. Discontinued Canadian Licensing revenue was impaired in December 2025 ($2.83M contract receivable write-off).
2. Revenue Stream 2 - Agent-Driven Lead Generation (Activating Q3 2026): Generated when the FUTR Agent App identifies a high-intent financial moment in a consumer's comprehensive data profile and introduces a verified, consenting consumer to a relevant brand partner. Brands pay lead fees in FUTR Tokens issued by the FUTR Foundation.
3. Revenue Stream 3 - Premium Agent App Services (Targeting Q4 2026): Subscription-based and transaction-based services including asset valuation, advanced financial analysis, credit bureau reporting, and Agent customizations.
4. Brand Charter Member / Insurance Integration Fees: Brand integrations (e.g., Southampton Financial) generate recurring, high-margin revenue per transaction; each transaction generates new behavioral insights that power FUTR's privacy-preserving AI intelligence loop.
5. Legacy Technology Licensing (Discontinued): Canadian licensing revenue ($522K in Transition Period) was impaired and discontinued following non-compliance by the licensee; management will pursue direct distribution in Canada instead.

Pricing tiers

Go-to-market motion5 records

Distribution channels6 records

Marketing channels8 records

Core offering

FUTR Corporation operates an AI-powered consumer finance platform anchored by the FUTR Agent App, a SOC2-compliant personal data vault (FutureVault), and the FUTR Token rewards engine on the Coinbase BASE blockchain. The company generates current revenue from FUTR Payments, an auto loan optimization platform that automates bi-weekly payment processing for U.S. auto dealers and consumers. Layered on the platform are brand/enterprise integrations (insurance, mortgage, rent reporting) and a forthcoming EQIBank joint venture delivering AI-Agent-native digital banking across 100+ countries.

Product overview

FUTR Corporation operates a single unified consumer finance platform — the FUTR Agent App — built around a personalized AI financial Agent, the SOC2-compliant FutureVault data vault, and the FUTR Foundation's Token rewards engine on the Coinbase BASE blockchain. Layered on top of this core platform are several distinct product modules: FUTR Payments (and the upgraded FUTR Payments 2.0) for U.S. auto loan optimization across approximately 160 active dealerships in seven states; the recently acquired FUTR Planning platform with nearly 1.0 million consumer financial plans; and a forthcoming suite of EQIBank-joint-venture digital banking products — FUTR Card, FUTR Digital Yield, FUTR Just In Time Payments, FUTR Global Currency, and FUTR Asset Optimizer — targeted for H2 2026 launch in 100+ countries. FUTR-branded humanoid robots (via the Realbotix partnership) extend the Agent into the physical world. The architecture is therefore a single agent-first platform with add-on modules spanning payments, financial planning, insurance, rent reporting (Zonetail), and mortgage (DWR Residential), all anchored by FutureVault and the FUTR Token economy.

Differentiator

Problem solved

Functional benefit

Brands

• FUTR Agent App: Consumer-facing AI Agent mobile application that enables users to store, manage, access and monetize personal information and make intelligent payments; rewards users with FUTR Tokens for sharing verified data.
• FUTR Payments
• FUTR Foundation
• FutureVault
• FUTR Network

Products and services

• FUTR Agent App Flagship consumer-facing AI-powered personal finance application combining a personalized AI Agent, a SOC2-compliant personal data vault (FutureVault), tokenized rewards (FUTR Tokens), and smart payment management. Designed for individual consumers to save time on administrative tasks, optimize auto loan payments, monetize consented personal data, and receive personalized financial offers.
• FUTR Payments Loan optimization payments network for U.S. auto dealers and consumers that uses AI-enabled bi-weekly payment scheduling to reduce interest costs by approximately $2,000-$3,000 per consumer. Connects dealers to bank processing rails and lender integrations; approximately 160 active U.S. auto dealers across seven states (target 500 by end of 2027).
• FutureVault SOC2-compliant encrypted personal data vault that provides private and secure document storage with substance- and pattern-based analytics. Used as an embedded distribution channel for FUTR Agent App adoption and as the secure document layer for the FUTR ecosystem.
• FUTR Foundation / FUTR Token Tokenized rewards engine powering the three-sided FUTR ecosystem (consumers, brands, enterprises). FUTR Utility Tokens are issued on the Coinbase BASE blockchain and held in embedded multi-chain Fireblocks wallets; participants earn tokens for data sharing, AI training, and brand offer engagement.
• FUTR Planning (acquired financial planning platform) North American consumer financial planning platform with nearly 1.0 million consumer plans (~75% U.S., ~25% Canada) used to accelerate FUTR Payments (Revenue Stream 1) and the Agent-Driven Lead Generation engine (Revenue Stream 2).

Quantifiable outcome

• Consumers save $2,000-$3,000 in interest on auto loans through optimized payment scheduling
• +8 more outcomes

Named customers7 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability14 records

Feature6 records

Partnerships

13 partnerships are on record, tiered minor, flagship and core.

• RCC AdvisoryminorImplementation/ SI/ Consulting Partner · 9 June 2026Financial advisor to FUTR on the acquisition of the North American financial planning platform (nearly 1.0M consumer plans); deal structured as an asset purchase valued at CAD $300,000 through issuance of 1.5M units.
• DK Capital PartnersminorGTM or Marketing Partner · 21 May 2026Montreal-based investor relations firm engaged for a 1-year initial term. Fee of C$10,000 plus discretionary milestone bonuses up to C$26,500, plus 75,000 options at $0.25 strike. Develops comprehensive capital markets strategy and assists in engaging current and potential investors.
• EQIBank / EQITrade / EQITechflagshipStrategic or Co-development Partner · 2 April 2026Binding letter of intent dated April 2, 2026, to establish a global AI-Agent-native digital banking joint venture (75% FUTR / 25% EQITrade). Combines FUTR's consumer-controlled AI Agent App, secure data vault, and FUTR Foundation token rewards engine with EQIBank's global banking infrastructure, payment rails, lending, custody, treasury, and digital asset trading. Targeting 200,000 funded FUTR Agent accounts and 1M verified active users within 36 months across 100+ countries, with milestone-based share issuance of up to 15M FUTR common shares. Commercial launch targeted H2 2026.
• New York State Automobile Dealers Association (NYSADA)flagshipChannel Partner/ Reseller/ Distributor · 23 February 2026Exclusive partnership to deploy FUTR Payments 2.0 as the exclusive loan payment optimization program under NYSADA. Provides access to approximately 1,000 franchised dealerships across New York State; integrated directly with dealer management systems. FUTR intends to replicate this scalable distribution model across additional state and regional dealer associations.
• Realbotix Corp.coreStrategic or Co-development Partner · 2 January 2026Strategic partnership to integrate FUTR's AI Agent platform with Realbotix's humanoid robotics technology, creating a physical interface for users to interact with AI agents through voice, expression, and movement. Initial robotic AI Agent pilot in H1 2026; plans for FUTR-branded robots, API integration for secure data exchange, and joint demonstration content for consumer and enterprise use cases.
• Global One Media Group Pte. Ltd.minorGTM or Marketing Partner · 1 January 2026Global marketing and media firm engaged to support FUTR's digital communications strategy. Produces content including video interviews and corporate communications, distributed through digital channels and media platforms. Monthly fee of US$7,500 for a minimum 6-month period with a 3-month prepayment.
• DWR Residential (Direct Wholesale Rates)coreChannel Partner/ Reseller/ Distributor · 29 December 2025Enterprise agreement to integrate AI-powered consumer finance services (FUTR Payments, FUTR Agent) into DWR Residential's U.S. mortgage brokerage platform; pilot program set to validate mortgage payment optimization and consumer engagement tools.
• Tax MaxflagshipChannel Partner/ Reseller/ Distributor · 20 November 2025Multi-year (36-month) national channel partnership; Tax Max is FUTR's exclusive channel partner for vehicle payment plan products within its tax and dealer service network. Introduces FUTR Payments' bi-weekly auto payment program to hundreds of dealerships serving 3,000+ dealers nationwide, expanding FUTR's automotive retail network by approximately 400%.
• Southampton Financial Inc.coreStrategic or Co-development Partner · 12 November 2025Partnership to integrate home and auto insurance into the FUTR AI Agent App. Consumers receive real-time, bindable quotes from Canada's largest insurance brands in under 5 minutes through the FUTR Agent and Southampton's broker technology. Consumers are rewarded in FUTR Tokens for data shared. Initially rolling out in Ontario in November 2025, expanding to other provinces in 2026. Southampton named a FUTR Brand Charter Member.
• ICP Securities Inc.minorOthers · 24 October 2025Engaged to provide automated market making services for a four-month agreement with renewal options, supporting FUTR's market liquidity enhancement alongside the $6.45M private placement.
• Zonetail Inc.coreStrategic or Co-development Partner · 23 October 2025Partnership to launch Canada's first AI-powered rent-reporting program, enabling renters to build credit and earn rewards by paying rent on time. Initial launch in Q4 2025 across 12,000 rental units managed by Zonetail, expanding to 70,000+ units by early 2026.
• KCSA Strategic CommunicationscoreGTM or Marketing Partner · 15 October 2025New York-based investor relations and market strategy firm engaged for a six-month initial term at US$10,000/month. Assists FUTR in engaging US investors and developing a broader communications program.
• Machai Capital Inc.minorGTM or Marketing Partner · 1 January 2025Engaged for digital marketing services in connection with the Q1 2026 financial results announcement.

Scale indicators18 records

Recent moves7 records

Expansion highlights8 records

Regional players

• goeasy: Canadian non-prime consumer and auto lender with POS financing, leasing and credit products. Comparable to FUTR on Canadian consumer credit infrastructure and auto-focused lending, but operates primarily in Canada rather than FUTR's U.S.-led footprint.
• Financeit: Canadian POS financing and payment platform serving home improvement, automotive and retail merchants. Comparable to FUTR Payments on merchant-integrated POS financing mechanics, particularly for auto and improvement verticals, with a Canadian operating base.

Broad incumbents

• SoFi Technologies: Large U.S. digital consumer banking and lending platform spanning personal loans, credit cards, deposits and investing. Comparable to FUTR as a broader incumbent offering consumer financial services via an AI-enabled app, though much larger and more diversified.
• Rocket Money (Rocket Companies): Subscription-based personal finance management platform within Rocket Companies offering bill negotiation, budgeting and AI-assisted money management. Comparable to FUTR Agent App on AI-driven consumer financial management subscription economics.

Emerging players

• Dave Inc. U.S. consumer finance app offering budgeting, banking and small-dollar advances with subscription revenue. Comparable to FUTR Agent App on the AI-driven personal-finance-app freemium model and recurring subscription revenue stream.

Direct peers

• Katapult Holdings: U.S. vertical BNPL/lease-to-own provider focused on non-prime auto and retail durable goods at the point of sale. Directly comparable to FUTR Payments on auto-vertical POS financing economics and dealer-channel distribution.
• Affirm: Leading U.S. BNPL platform offering point-of-sale installment lending to consumers through merchant integrations. Comparable to FUTR Payments on merchant-integrated POS financing model and AI-driven underwriting.
• Upstart Holdings: AI lending marketplace using machine learning on consumer data for credit decisioning. Comparable to FUTR on AI-driven consumer credit optimization and data-empowered loan underwriting infrastructure.
• MoneyLion: AI-driven consumer finance platform offering personal loans, credit, banking, and a data-monetization/rewards engine to a digital-native user base. Comparable to FUTR Agent App on the AI-agent + tokenized rewards + consumer data monetization model.
• Sezzle: BNPL platform providing interest-free installment financing at online and in-store checkout. Comparable to FUTR Payments on merchant-integrated POS financing with bi-weekly payment scheduling and consumer savings framing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks3 records

Key highlights6 records

Customer concentration

• Xx.com/theFUTRcorp
• YouTubeyoutu.be/va8GNmHb9tw
• LinkedInlinkedin.com/company/thefutrcorporation
• Instagraminstagram.com/thefutrcorp

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries2 records

Funding overview

Funding rounds9 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FUTR Corporation