AI Agent Firm Grows Reach of Its Payments Technology With Auto Dealer Association Partnership

1. The FUTR Corp. is a billboard sponsor of Streetwise Reports and pays SWR a monthly sponsorship fee between US$3,000 and US$6,000.
2. As of the date of this article, officers, contractors, shareholders, and/or employees of Streetwise Reports LLC (including members of their household) own securities of The FUTR Corp.
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1. Disclosure for the quote from the Stewart Thomson article published on February 19, 2025:

1. For the quoted article (published on February 19, 2025), the Company has paid Street Smart, an affiliate of Streetwise Reports, US$3,500.
2. Author Certification and Compensation: Stewart Thomson was retained and compensated as an independent contractor by Street Smart for writing this article. Mr. Thomson is a retired Canadian financial advisor who has passed the Canadian Securities Course as well as additional technical analysis courses that were mandated by his former employer and approved by Ontario regulatory bodies. For the past 15 years, he has been editing and writing numerous financial newsletters that have a strong focus on charts.  The recommendations and opinions expressed in this content reflect the personal, independent, and objective views of the author regarding any and all of the companies discussed. No part of the compensation received by the author was, is, or will be directly or indirectly tied to the specific recommendations or views expressed.

2. 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; QA20:FSE) is partnering with the New York State Automobile Dealers Association (NYSADA) to make FUTR the exclusive provider of a loan payment optimization program under its FUTR Payments 2.0 technology, according to a February 25 release.

FUTR is the developer of the FUTR Agent App, which utilizes intelligent agents and payment systems to save consumers time and money.

The program updates and expands the familiar bi-weekly payment structure commonly used in automotive finance. FUTR's Payments 2.0 platform improves traditional bi-weekly models by analyzing loan structures and payment schedules to help consumers build equity more quickly and maintain a stronger financial position throughout the loan's duration.

FUTR Payments 2.0 integrates directly with leading Dealer Management Systems to seamlessly onboard consumers at the dealership, ensuring a smooth experience for both finance managers and customers.

"Dealers consistently ask for tools that improve affordability while strengthening long-term customer relationships," said Chief Business Officer of FUTR Payments Mindy Bruns. "Our Payment Optimization partnership with NYSADA builds on the trusted Bi-Weekly model dealers already understand, while adding data-driven analytics and workflow integration that support retention, equity growth, and revenue continuity. The FUTR Payments 2.0 platform is designed to fit naturally into dealership operations."

Bruns continued, "Over time, optimized payment data can integrate with FUTR's broader consumer-controlled AI Agent platform to help customers better understand their loan terms in clear, accessible language and build equity faster. Our approach ensures that all insights remain transparent and permission-based, designed to easily support people in saving time, saving money, and making decisions."

According to the company, the program is designed to deliver measurable operational and revenue benefits for dealers, including:

• Enhanced customer retention through structured payment engagement
• Faster equity creation, supporting quicker trade cycles
• Recurring customer interactions that increase lifetime value
• Seamless integration into existing finance and dealership workflows

Through coordinated promotion via NYSADA's member network, FUTR Payments will gain access to around 1,000 franchised dealerships across New York State, the release noted. This partnership, along with the Tax Max partnership announced in December 2025, further expands FUTR's presence in the U.S. auto market and provides a scalable distribution model that the Company plans to replicate with other state and regional associations.

FUTR Payments 2.0 focuses on enhancing dealer economics and, importantly, the model does not involve mining dealer data or transferring ownership, FUTR said. All consumer financial insights are derived from customer-permissioned information within the FUTR Payments 2.0 system, allowing dealers to maintain their direct customer and data relationships.

While the NYSADA initiative concentrates on payment optimization and dealer outcomes, FUTR's broader plan includes additional opt-in value opportunities for dealers linked to its consumer-controlled AI Agent platform.

AI Agents Go Mainstream

After a $70 million mega deal for the domain name AI.com announced during this year's Super Bowl, AI agents have gone mainstream.

In an updated research note by Research Capital Corp. Analyst Greg McLeish on February 11, it was noted that "This year's Super Bowl marked a pivotal moment in how artificial intelligence is being marketed to consumers." AI-related advertising has become a central theme, demonstrating how swiftly AI has evolved from an abstract idea to a consumer offering.

The emphasis has shifted from chatbots to utility-driven AI systems capable of performing tasks for users. In this context, Crypto.com's launch of AI.com attracted significant attention and traffic, underscoring the growing interest in "AI agents that do things," rather than systems that simply respond to prompts.

"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.

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.

A Personal Advisor That Rewards You

¹According to a February 19 review of the stock by Technical Analyst Stewart Thomson, "In a nutshell, the company offers next-generation AI, giving users a high-fidelity agent that rewards them for simply training it, which functions as their personal advisor."

"The company has an aggressive growth strategy, targeting consumers, banks, and lenders," Thomson wrote. "Spending is tracked, savings uncovered, and cash flow optimized automatically.

Users get a suite of data valuation algorithms and tokenized incentives that are created by the FUTR Foundation.

There's also a FUTR vault that has an intelligence document processing (IDP) capability that automatically extracts data from documentation."

Reviewing the company's chart, he said there is now a bullish divergence between the Stochastics oscillator and the price.

A breakout from the congestion zone is targeting the CA$0.60 level. On the weekly chart, the key 20,40,10 series MACD indicator is gearing up for a buy signal.

The rising histograms indicate that a Buy signal is likely imminent.

"This monthly chart (at left) puts it all in perspective; insiders have been buying the congestion zones, and the current one takes the form of a bullish flag-like drift," he wrote.

Thomson rated the stock, which was about CA$0.27 when he wrote the piece, a Speculative Buy. His short-term technical price target for FUTR is CA$0.60, the medium-term technical price target is CA$1, and the long-term technical price target is CA$5.

Sector Seeing Rapid Transformation

The sector is seeing rapid transformation as new technologies and partnerships emerge quickly. According to a report on MarketScreener on February 24, Intapp Inc. has announced plans to accelerate the adoption of specialized agentic AI across the accounting, consulting, investment banking, legal, and private capital industries using Claude, Anthropic's suite of AI models. Intapp will develop industry-specific agents that integrate with and are powered by Claude, allowing professional firms to unify their Intapp and Claude ecosystems.

Amrit Jassal, the chief technology officer and co-founder of AI cloud platform Egnyte, noted in an opinion piece for Forbes on February 24 that "AI systems today are evolving beyond static models into autonomous agents capable of navigating software, executing multistep workflows, and reasoning over changing contexts. For these agents that must interact, plan and learn, the limitations of passive training are becoming apparent. The question of how we train them is now critical."

Jassal said this marks a fundamental shift for AI, moving it from research-centric challenges to business- and consumer-centric operations that drive real value.

Vendors are increasingly focusing on developing specialized AI agents tailored for regulated industries, particularly in financial services, wrote Makenzie Holland of CIO Dive in a piece published on Yahoo! Finance on February 19.

For consumers, FUTR's agent "can be your person for everything," said FUTR CEO Alex McDougall. Unlike Chat GPT, which is designed for a vast audience and processes data in a generalized manner, the FUTR AI creates a personalized AI stack for each user, which the company calls "high fidelity AI." A significant benefit is that instead of your data being monetized without your consent, "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, represents a significant transformation in the marketplace, according to a report by McKinsey & Co. This development suggests 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 $1 trillion in orchestrated revenue from agentic commerce, with global estimates ranging from $3 trillion to $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 Structure²

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 7.72%, 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$32.63 million with 125.36 million shares outstanding. It trades within a 52-week range of CA$0.09 and CA$0.42.