In partnership with Trading Whisperer
A Stock at the Intersection of Agentic AI and Zero-Party Consumer Data
You may be familiar with AI agents, and you may also be familiar with how valuable consumer data can be to all sorts of companies.
Today’s edition will be dedicated to exploring a stock that sits at the center of both of those concepts and that could claim a huge percentage of mindshare in the coming months.
We’ll cover how this company:
1️⃣ Runs users’ finances end-to-end: bills, payments, insurance, etc.
2️⃣ Enables users to profit by selling their data if they want to
3️⃣ Has a gross margin of 88% and is about to launch AI agents this quarter
Let’s get started.
The Rundown
The company is The FUTR Corporation, which just entered the public markets in April under $FTRC on the TSX Venture Exchange. By July, the company began trading on the OTCQB under $FTRCF, opening the door to an even wider investor audience. All you need is a brokerage account that supports OTC trading (Charles Schwab, Fidelity, E*Trade, etc.) to get access.
Momentum hasn’t slowed since. FUTR’s most recent quarter came in at a record C$2.2 million (US$1.5M) in revenue. Then in September, the company raised C$4.3 million (US$3.6M) of a C$6 million private placement to accelerate growth.
In less than half a year, FUTR has gone public, expanded into the US, delivered record-breaking results, and strengthened its balance sheet with fresh funding—all while preparing to launch its AI agents this quarter.
But what are these agents, and why are they getting so much attention?
FUTR provides users with financial AI agents that do mundane tasks for them, while also offering outside companies highly valuable proprietary user data—the equivalent of gold in marketing.
The long of it is as follows. FUTR has made it possible for users to instruct AI agents to do mundane financial tasks for them: making mortgage, bill, and insurance payments.
FUTR does this through the power of agentic AI, which is just an AI system that has been given the ability to make decisions. (As far as a competitive moat goes, FUTR also has a 10-year exclusive license to this tech.)
In order to execute those tasks for users, FUTR’s AI agents process all kinds of unstructured financial documents provided by their users. Think mortgage statements, insurance contracts, and other financial terms and conditions.
Again, there is a specific AI term for this type of data intake: Intelligent Document Processing. It enables AI to turn unstructured data into very neatly organized data.
Financial companies and businesses would love to have that data. So FUTR gives its users the option to give up their personal information in exchange for rewards in the form of the FUTR Utility Token.
The fact that users are willingly providing their information here makes it zero-party data, which is even more direct and descriptive than first-party data. That’s because first-party data still involves some guesswork on the part of marketers to interpret user intent, while zero-party data is straight from the users themselves, no interpretation required.
Comparing FUTR to the Rest of the Market
Not many companies seem to be in the position that FUTR finds itself in.
It’s already processed billions in payments on its platform
It’s at 88% margins already
It’s about to launch AI agents this quarter
It’s a publicly traded company
One of the closest comparisons is a private company called Inflection AI, which is another AI agent company. Inflection has raised $1.3 billion from Microsoft and Nvidia.
Some key differentiators are that Inflection’s agent is just for conversational AI, it doesn’t execute payments, and it only provides general training data.
FUTR, on the other hand, has agents with specific, clearly valuable functions (financial payments), it offers user rewards, and it’s creating a zero-party data economy.
And again, the obvious point of interest here is that FUTR is a publicly traded company while Inflection AI is a private entity.
Other AI companies have seen significant success without having the same distinct qualities of FUTR. These examples should not be used to predict how well FUTR might do (they can’t), but it’s helpful to look at what’s happened in the past when evaluating an investment decision.
The Leadership and the Moat
Another point worth noting here is the team behind FUTR.
G. Scott Paterson: former Vice Chair of the Toronto Stock Exchange.
Michael Hilmer: a fintech veteran who’s raised over $1 billion for SaaS and finance companies.
Alex McDougall: helped bring the first Canadian dollar stablecoin (Stablecorp's QCAD) to market in partnership with Coinbase.
A seasoned lineup like this could give a company credibility and know-how (plus technical chops) in digital assets.
On the competitive moat side, FUTR holds a 10-year exclusive license to FutureVault’s tech, which is one of the most advanced digital vaults in existence. That’s what makes the zero-party data flywheel even possible, because FUTR owns the rails for how that data is captured and stored, backed by years of FutureVault investment and support.
Catalysts to Watch Moving Forward
FUTR is set to launch its agentic AI products this quarter, seeded by tens of thousands of user profiles. As opposed to generic chatbots, these are financial agents that act on users’ behalf with actual payment and contract data.
Consumer adoption of AI could continue to grow. Personal-use AI companies like Character.ai and Perplexity AI have grown from zero to tens of millions of users and meaningful revenue in less than two years.
Token incentives. The FUTR Utility Token could create a loyalty loop for users where they pay bills, get rewards, trade data, and earn tokens. Outside companies could then come and get precious, ethically-sourced zero-party data.
The Bottom Line
AI agents are one of the most hyped narratives of 2025, and consumer data is one of the most valuable assets in the digital economy. FUTR sits squarely in the intersection of both.
With 88% gross margins, billions in processed payments, and a moat around zero-party data, FUTR could be worth taking a look at. Always do your own research.
Disclosures
Examples that we provide of share price increases pertaining to a particular Issuer from one referenced date to another represent an arbitrarily chosen time period and are no indication whatsoever of future stock prices for that Issuer and are of no predictive value. Our stock profiles are intended to highlight certain companies for YOUR further investigation; they are NOT stock recommendations or constitute an offer or sale of the referenced securities.
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