AI Agent Firm With Payments Technology Expands Into Texas, New Jersey

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1. Ownership and Share Structure Information

The information listed above was updated on the date this article was published and was compiled from information from the company and various other data providers.

The FUTR Corp. (FTRC:TSX; FTRCF:OTC) announced that it has signed agreements with four new auto dealerships, expanding the reach of its FUTR Payments product into Houston, Texas, and further strengthening its presence in New Jersey, according to a February 17 release from the company.

FUTR is the creator of the FUTR Agent App, which allows users to store, manage, access, and monetize their personal information and make real-time payments.

AI agents were at the center of what "is shaping up to be one of the most audacious branding plays in the history of the internet," a new US$70 million mega deal for the domain name AI.com announced during last weekend's Super Bowl.

The signed agreements mark FUTR Payments' first dealer relationship in Texas and are the initial results of the company's newly deployed sales resources aimed at geographic expansion and reinforcing its presence in existing markets. With these agreements, FUTR Payments' U.S. footprint now includes Texas, New York, New Jersey, Delaware, Florida, Iowa, and Connecticut.

These initial dealership partnerships are expected to serve as reference points as FUTR Payments continues to grow its presence in U.S. regional markets. The company said it plans to provide future updates as more dealerships, dealer groups, and regions join the platform.

"Expanding our footprint in New Jersey and entering the Texas market represent an important inflection point for FUTR Payments as we scale our platform across major U.S. markets," said FUTR Payments Chief Business Officer Mindy Bruns. "These early dealership partnerships validate the demand we're seeing for intelligent payment infrastructure that helps consumers build financial security while enabling dealers to engage customers in more durable, data-driven ways. We believe this expansion is an early indicator of the broader national opportunity ahead."

Texas is one of the largest and most diverse automotive markets in the United States, with a significant concentration of independent and used-vehicle dealerships. Trailer Wheel & Frame Co., the company’s first Houston dealer, introduces a new asset category for FUTR Payments, expanding the applicability of its intelligent payment rails beyond traditional automotive inventory. The newly signed agreement with Speedway Motors LLC in Paterson, N.J., further expands the company’s presence in New Jersey by adding three more storefronts.

FUTR Payments is part of FUTR's broader strategy, which combines intelligent payment infrastructure with consented consumer data and AI-enabled Agents.

Analyst: A 'Pivotal Moment' in AI Marketing

According to an updated research note by Research Capital Corp. Analyst Greg McLeish on February 11, "This year's Super Bowl marked a pivotal moment in how artificial intelligence is being marketed to consumers."

AI-related advertising has emerged as a key theme, illustrating how quickly AI has transitioned from an abstract concept to a mainstream consumer offering, Business Insider reported. The focus has shifted from chatbots to utility-driven AI systems that can perform tasks on behalf of users. In this context, Crypto.com’s launch of AI.com garnered significant attention and traffic, highlighting the growing interest in "AI agents that do things," rather than systems that merely respond to prompts. Additionally, OpenClaw’s viral success in late January provided further validation, showing that autonomous, task-executing agents are gaining traction across both consumer platforms and developer communities. These developments indicate that AI agents are becoming mainstream as everyday utilities, rather than novelty tools.

"Crypto.com’s Super Bowl debut of AI.com reinforced that AI agents are moving decisively beyond experimental chat interfaces into mass-market, action-oriented tools," McLeish wrote. "By committing roughly US$70 million for the AI.com domain and positioning its product as a 'private AI agent,' the company highlighted a shift toward autonomous digital assistants capable of managing schedules, automating workflows, and completing tasks on behalf of users. Post-game traffic reportedly overwhelmed early infrastructure, reinforcing strong initial engagement and signaling that consumer adoption is increasingly driven by execution rather than conversation."

While recent agent launches validate the rising demand for autonomous AI, many early entrants lack the infrastructure needed for durable, real-world deployment, the analyst said.

"The FUTR Corp. is differentiated by anchoring its AI Agent in a SOC 2–compliant digital vault and embedding it directly into regulated financial workflows," McLeish wrote. "FUTR’s platform combines compliance-grade data infrastructure, live banking and payment rails, and enterprise integrations that allow an agent not only to recommend actions, but to execute them securely across payments, credit, insurance, and home finance. Unlike consumer-facing agents that rely on generic cloud access, or open-source solutions that place security and operational burdens on the user, FUTR’s agent operates within institutional guardrails and is distributed through enterprise partnerships."

McLeish continued, "In our view, this positions FUTR as an AI-native financial infrastructure layer, rather than a chatbot alternative, as agents move from novelty to necessity."

Research Capital Corp. maintained its Speculative Buy rating on the stock with a CA$3 target price, a 991% return based on a sum-of-the-parts valuation taken at the time of writing.

"The result is a high-conviction opportunity at the intersection of consumer data, tokenized incentives, and privacy-first infrastructure," McLeish said.

Most Expensive Domain Purchase in History

The US$70 million acquisition of AI.com by Crypto.com founder Kris Marszalek marks the most expensive domain purchase in history, paid entirely in cryptocurrency to an undisclosed seller, as reported by the Financial Times and covered by Connie Loizos for TechCrunch on February 8. This transaction sets a new standard in domain sales, surpassing previous record holders such as CarInsurance.com at US$49.7 million (2010), VacationRentals.com at US$35 million (2007), and Voice.com at US$30 million (2019).

In a letter to shareholders following the announcement, Alex McDougall, CEO of The FUTR Corp. (FTRC:TSX; FTRCF:OTC), stated that this acquisition "officially marks the beginning of functional AI Agents going mainstream."

McDougall expressed the belief that this will become "the largest category the world has ever seen and as foundational as the advent of the internet." He emphasized that FUTR is "ideally positioned to be at the front of the wave that is here."

McDougall outlined the company's progress: "We have set up the infrastructure in Q2, built the technology stack through Q3, signed the first wave of commercial partnerships through Q4, and now in Q1 it's coming to market and the timing couldn't be better" for FUTR's agent. The company's agent offers significant real-world utility, such as rewarding users for taking a picture of their property tax slip, knowing when those taxes are due, helping reserve cash flow in the budget to pay the tax, reminding users 15 days before the due date, comparing property taxes to other neighborhoods and home values, making the payment, and even reporting the payment to credit bureaus to maximize credit scores.

"That's deep real-world utility," McDougall said.

AI Agents Tailored to Your Data

According to FUTR, the AI agent within their app is not only easily accessible but also operates under your guidance, tailored specifically to your data. This AI is designed for individuals and works exclusively for you around the clock to accomplish your tasks. It integrates data from various sources and smoothly handles complex financial queries and services. "Chat GPT can find you information. It can order you food. It can do things in your browser," McDougall told Streetwise Reports. But "FUTR can take your insurance policy, tell you where it's good, where it's bad, and find you a better one from our curated brand partners. If you put your mortgage into it, FUTR can read it, learn about it, tell you what clauses are suspect, find a better payment schedule for you, and then actually connect to payment rails and make those payments for you to take that intelligence and turn it into real action."

For renters, FUTR could track when to renew your lease and report your rent payments to the credit bureau to help build your credit. "That's really a key differentiator," McDougall said. "There are a lot of AI agents that can tell you things. FUTR can go and do things for you."

In a unique feature, FUTR tokens, created by the FUTR Foundation on the BASE Blockchain that powers the FUTR ecosystem, reward consumers and enterprises with tokens for sharing data, which they can use to purchase goods and services from FUTR brand partners. "Brands can purchase FUTR tokens or earn them from consumers and use those tokens to pay for leads from FUTR," the company stated on its website.

According to the company, upcoming catalysts that could impact the stock price include the broad launch of the FUTR AI Agent App and FUTR Token sometime this quarter. The company also plans to introduce a FUTR Visa card.

The Catalyst: 'Your Person For Everything'

According to the company, FUTR's agent "can be your person for everything," as McDougall explained. Unlike Chat GPT, which is designed for billions and processes data in a generalized way, the FUTR AI creates a personalized AI stack for each user, which the company refers to as "high fidelity AI." A key advantage is that instead of your data being monetized without your knowledge, "every piece of data that goes into this agent and into this engine, you're getting paid for it," he said.

AI-powered shopping, with agents like FUTR's acting on our behalf, signifies a major shift in the marketplace, according to a report by McKinsey & Co. This development points to a future where AI anticipates consumer needs, explores shopping options, negotiates deals, and completes transactions, all aligned with human intentions but operating independently through multistep processes enabled by reasoning models.

"This isn't just an evolution of e-commerce," the report stated. "It's a rethinking of shopping itself in which the boundaries between platforms, services, and experiences give way to an integrated intent-driven flow, through highly personalized consumer journeys that deliver a fast, frictionless outcome."

By 2030, the U.S. B2C retail market alone could see up to US$1 trillion in orchestrated revenue from agentic commerce, with global estimates ranging from US$3 trillion to US$5 trillion, according to McKinsey research. This trend is expected to have an impact comparable to previous web and mobile-commerce revolutions, but it could progress even more rapidly since agents can navigate the same digital paths to purchase as humans, effectively "riding on the rails" established by these earlier transformations, researchers noted.

"This presents both benefits and risks for today's commerce ecosystem," McKinsey explained. "All kinds of businesses — brands, retailers, marketplaces, logistics and commerce services providers, and payments players — will need to adapt to the new paradigm and successfully navigate the challenges of trust, risk, and innovation."

Ownership and Share Structure¹

Approximately 23% of the company is owned by management and insiders. The remainder is held by retail investors.

Top shareholders include G. Scott Paterson with 8.38%, Melrose Ventures LLC with 2.08%, Michael Hillmer with 0.74%, Ashish Kapoor with 0.55%, and Jason G. Ewart with 0.52%.

The company's market cap on February 12 was CA$35.1 million with 125.36 million shares outstanding. It trades within a 52-week range of CA$0.09 and CA$0.42.