PSYC Corporation (PSYC)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
PSYC Corporation (PSYC) trades at $0.00 with AI Score 40/100 (Grade C). PSYC Corporation, through its subsidiary MoneyTrac Technology, Inc. , provides e-banking and digital wallet solutions for the regulated cannabis industry. Market cap: $8,540, Sector: Communication services.
Price live · AI analysis from Jun 15, 2026Analyst Coverage for PSYC: PSYC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates PSYC against Communication Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
PSYC: 1/1 perspectives are bearish.
How is this calculated? →PSYC Corporation (PSYC) Media & Communications Profile
PSYC Corporation, operating via MoneyTrac Technology, Inc., delivers specialized e-banking and digital wallet financial solutions for the regulated cannabis industry. The company focuses on mobile platforms, white-label services, and transaction management, aiming to address unique financial challenges within this evolving sector.
What Is the Investment Thesis for PSYC?
PSYC Corporation, through its MoneyTrac Technology, Inc. subsidiary, operates in the nascent yet rapidly expanding regulated cannabis financial technology sector. The investment thesis centers on the growing demand for compliant e-banking and digital wallet solutions within an industry often shunned by traditional financial institutions. MoneyTrac's specialized offerings, including its e-wallet, mobile application, and white-label services, address a critical market need for secure and efficient transaction management. Key value drivers include the continued expansion of cannabis legalization across states and countries, which directly increases the addressable market for MoneyTrac's services. Strategic alliances, such as those with Compliance Financial Network Corp. and Pegasus Fintech, Inc., represent potential catalysts for broader market adoption and enhanced service capabilities. However, the company faces significant challenges, as evidenced by its current financial metrics: a profit margin of -6081785.7% and a gross margin of -2628.6%, indicating substantial operational losses relative to revenue. The market capitalization of 9K and a beta of 3.49 suggest extreme volatility and a highly speculative profile. Future growth hinges on the company's ability to achieve profitability, secure additional funding, and navigate the complex regulatory landscape of both financial services and the cannabis industry.
Based on FMP financials and quantitative analysis
PSYC Key Highlights
- The company maintains a market capitalization of 9K, reflecting its early-stage development and limited market valuation.
- PSYC Corporation recorded a profit margin of -6081785.7%, indicating significant operational losses relative to its revenue base.
- A gross margin of -2628.6% highlights substantial costs of goods sold exceeding revenues, pointing to challenges in core business profitability.
- The stock exhibits a high beta of 3.49, suggesting considerable volatility relative to the broader market.
- The company operates with a lean team of 2 employees, indicating a highly concentrated operational structure.
Who Are PSYC's Competitors?
PSYC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| IFUS Impact Fusion International, Inc. | $0.03 | +2.42% | $19.37M | 63 |
| MOBQ Mobiquity Technologies, Inc. | $0.65 | -11.69% | $18.06M | 63 |
| ACHN Achison Inc. | $0.79 | -21.66% | $23.73M | 61 |
| BOMN Boston Omaha Corporation | $25.76 | +0.00% | $765.03M | 59 |
| ADV Advantage Solutions Inc. | $39.91 | +2.69% | $530.55M | 49 |
| PUBGY Publicis Groupe S.A. | $24.72 | +1.44% | $24.81B | 49 |
| PCOFF Pico Far East Holdings Limited | $0.33 | +0.00% | $421.50M | 49 |
| BOC Boston Omaha Corporation | $15.06 | -0.20% | $455.03M | 49 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PSYC's Key Strengths?
- Specialized e-banking and digital wallet solutions tailored for the regulated cannabis industry.
- Strategic alliances with Compliance Financial Network Corp. and Pegasus Fintech, Inc. to expand capabilities.
- Customizable white-label services offering scalability and broader market reach.
- Addressing a critical market need due to traditional banking restrictions on cannabis businesses.
What Are PSYC's Weaknesses?
- Extremely high negative profit and gross margins, indicating significant unprofitability.
- Very small operational team of 2 employees, potentially limiting capacity and growth.
- Market capitalization of 9K, suggesting minimal current valuation and investor confidence.
- Reliance on the highly volatile and federally uncertain regulated cannabis market.
What Could Drive PSYC Stock Higher?
- Further state-level legalization of cannabis in the United States, expanding the addressable market for MoneyTrac's financial solutions.
- Successful integration and increased client adoption stemming from the joint venture with Compliance Financial Network Corp. and alliance with Pegasus Fintech, Inc.
- Development and launch of enhanced features for its e-banking and digital wallet platform, attracting new users and businesses.
- Securing significant new contracts or partnerships with large cannabis operators or financial institutions for its white-label services.
What Are the Key Risks for PSYC?
- Weak fundamentals — a Piotroski F-Score of 1/9 flags soft profitability, leverage or efficiency.
- Continued significant operational losses and negative margins, leading to ongoing cash burn and the need for dilutive financing.
- High regulatory uncertainty in the cannabis industry, particularly at the federal level, which could impact MoneyTrac's operations or market growth.
- Intense competition from other fintech providers entering the cannabis market, potentially eroding market share and pricing power.
- Extremely low liquidity and high volatility associated with its OTC Other tier listing, posing significant risks for investors.
- Challenges in attracting and retaining talent, especially with only two employees, which could hinder product development and market expansion.
What Are the Growth Opportunities for PSYC?
- **Expansion of Regulated Cannabis Markets:** The ongoing trend of cannabis legalization across various states and countries presents a significant growth opportunity. As more jurisdictions regulate cannabis sales, the number of legitimate cannabis businesses requiring compliant financial services will increase. MoneyTrac Technology, Inc.'s specialized e-banking and digital wallet solutions are directly positioned to serve this expanding market, providing essential infrastructure where traditional banks often cannot. This market expansion could lead to a substantial increase in potential clients for MoneyTrac's services over the next 5-10 years, driving revenue growth as the industry matures.
- **Increasing Demand for Compliant Financial Solutions:** The unique regulatory environment of the cannabis industry necessitates financial solutions that ensure compliance with both state cannabis laws and federal anti-money laundering regulations. MoneyTrac's focus on secure, compliant e-banking and transaction management directly addresses this critical need. As regulatory scrutiny intensifies, businesses will increasingly seek robust, purpose-built financial platforms, creating sustained demand for MoneyTrac's offerings. This demand is expected to grow steadily over the next 3-7 years as the industry professionalizes.
- **Adoption of White-Label Services:** MoneyTrac's customizable white-label services allow other businesses to offer its financial technology under their own brand. This model presents a scalable growth opportunity by enabling MoneyTrac to expand its reach without directly acquiring every end-user. Partnerships with larger financial institutions, industry associations, or technology providers could significantly broaden the deployment of MoneyTrac's solutions, leveraging existing customer bases and distribution channels. This strategy could accelerate market penetration within a 2-5 year timeframe.
- **Strategic Alliances and Joint Ventures:** The firm's existing joint venture with Compliance Financial Network Corp. and strategic alliance with Pegasus Fintech, Inc. provide pathways for enhanced service offerings and market access. These partnerships can lead to integrated solutions, shared technologies, and expanded customer bases. Future alliances with other key players in the fintech, cannabis, or compliance sectors could unlock new revenue streams and strengthen MoneyTrac's competitive position by offering more comprehensive solutions to the market. Such collaborations could yield benefits within 1-3 years.
- **Technological Advancements in Digital Payments:** Continuous innovation in e-banking and digital wallet technologies, including enhanced security features, user experience improvements, and integration with emerging payment methods, offers a perpetual growth avenue. By staying at the forefront of fintech developments, MoneyTrac can continuously upgrade its platform to meet evolving customer expectations and regulatory requirements. Investing in R&D to incorporate features like blockchain for enhanced transparency or AI for fraud detection could differentiate its offerings and attract more clients in the competitive landscape over the long term (3-10 years).
What Opportunities Does PSYC Have?
- Continued expansion of cannabis legalization across more jurisdictions, increasing the addressable market.
- Growing demand for compliant and secure financial solutions as the cannabis industry matures.
- Leveraging strategic partnerships to integrate services and expand customer base.
- Technological advancements in fintech to enhance product offerings and competitive advantage.
What Threats Does PSYC Face?
- Evolving and unpredictable regulatory landscape for both cannabis and financial services.
- Intense competition from other fintech startups and potential entry of traditional financial institutions if federal laws change.
- Challenges in securing adequate funding to sustain operations and achieve profitability given current financial performance.
- High beta (3.49) indicates significant stock price volatility and market risk for investors.
What Are PSYC's Competitive Advantages?
- Specialized focus on the regulated cannabis industry, addressing a niche market underserved by traditional banks.
- Development of tailored e-banking and digital wallet solutions specifically designed for cannabis compliance needs.
- Strategic alliances with entities like Compliance Financial Network Corp. and Pegasus Fintech, Inc., potentially enhancing market access and service integration.
- Proprietary technology and mobile platform designed for secure and efficient transaction management within a complex regulatory environment.
What Does PSYC Do?
MoneyTrac Technology, Inc., a subsidiary of PSYC Corporation, was established in 2015 and is headquartered in San Diego, California. The company specializes in developing and providing sophisticated e-banking and digital wallet financial solutions specifically tailored for the regulated cannabis industry. This niche focus addresses the significant challenges cannabis businesses face in accessing traditional banking services due to federal regulations. MoneyTrac's core offerings include an intuitive e-wallet and a mobile application, designed to grant users convenient and secure access to their financial information and transaction capabilities. Beyond direct consumer applications, the company extends its reach through customizable white-label services, enabling other businesses to integrate MoneyTrac's robust financial technology under their own branding. The comprehensive mobile platform supports a wide array of financial transactions, including accessing account details, facilitating payments, and managing online bill pay. MoneyTrac Technology, Inc. also provides broad transaction management capabilities, essential for compliance and operational efficiency within the highly regulated cannabis market. The firm has strategically expanded its network by forming a joint venture with Compliance Financial Network Corp. and maintaining a strategic alliance with Pegasus Fintech, Inc., aiming to bolster its service offerings and market penetration within this specialized financial technology sector. With a lean operational structure of two employees, MoneyTrac Technology, Inc. positions itself as a focused provider of critical financial infrastructure for an underserved market.
What Products and Services Does PSYC Offer?
- Provide e-banking and digital wallet financial solutions for the regulated cannabis industry.
- Offer an intuitive e-wallet and mobile application for users to access financial information.
- Deliver customizable white-label services for businesses to integrate their financial technology.
- Manage financial transactions through a comprehensive mobile platform.
- Enable users to access account details, facilitate payments, and handle online bill pay.
- Provide broad transaction management capabilities for compliance and operational efficiency.
- Operate through its subsidiary, MoneyTrac Technology, Inc., headquartered in San Diego, California.
- Engage in a joint venture with Compliance Financial Network Corp. and a strategic alliance with Pegasus Fintech, Inc.
How Does PSYC Make Money?
- Subscription fees or transaction-based fees for e-banking and digital wallet services provided to cannabis businesses and consumers.
- Licensing fees for customizable white-label services, allowing other entities to use MoneyTrac's technology under their own brand.
- Potential revenue sharing from strategic alliances and joint ventures, expanding service reach and capabilities.
- Fees for specialized compliance and transaction management tools tailored for the regulated cannabis market.
What Industry Does PSYC Operate In?
PSYC Corporation, through its subsidiary MoneyTrac Technology, Inc., operates within the niche segment of financial technology (fintech) specifically serving the regulated cannabis industry. This sector is characterized by unique challenges, primarily stemming from the federal illegality of cannabis in the United States, which restricts access to conventional banking services for state-legal cannabis businesses. Consequently, there is a substantial market demand for specialized e-banking, digital wallet, and payment processing solutions that can navigate these regulatory complexities. The broader Communication Services sector, where PSYC is categorized under Advertising Agencies, does not fully capture its specialized fintech operations. MoneyTrac's competitive landscape includes other fintech providers attempting to serve the cannabis market, often focusing on compliance, secure transactions, and alternative payment methods. The industry is poised for growth as more jurisdictions legalize cannabis, but it remains highly fragmented and subject to evolving regulatory frameworks. MoneyTrac aims to carve out a position by offering tailored, compliant financial infrastructure.
Who Are PSYC's Key Customers?
- Regulated cannabis businesses, including dispensaries, cultivators, and processors, seeking compliant financial solutions.
- Consumers within the regulated cannabis market who require digital payment and e-wallet services.
- Other financial technology providers or businesses looking to integrate white-label e-banking solutions.
- Partners in strategic alliances and joint ventures, expanding the ecosystem of financial services.
ROE 12%Key Financial Metrics
Return on equity for PSYC Corporation stands at 11.7%, a gauge of how efficiently it converts shareholder capital into profit. A current ratio of 0.04 means current liabilities exceed short-term assets, a liquidity point worth watching.
PSYC Corporation (PSYC) Valuation Context
Valued at 9K, PSYC is classified as a micro-cap stock. Relative to its peer group, PSYC's quantitative score of 40/100 is below the peer average of 59/100.
Company Profile
PSYC Corporation operates in the Advertising Agencies industry within the Communication Services sector. It is headquartered in San Diego, US. The company is led by CEO Daniel Jaros. PSYC has traded publicly since 2010.
F-Score 1/9Financial Health
PSYC Corporation's Piotroski F-Score is 1/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny.
Net buyingInsider Activity
The most recent 6 insider filings for PSYC Corporation break down as 0 sales and 6 purchases. On net that is roughly 2.4M shares acquired (about $0) — insiders putting money in tends to read as conviction.
PSYC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Specialized e-banking and digital wallet solutions tailored for the regulated cannabis industry.
- Strategic alliances with Compliance Financial Network Corp. and Pegasus Fintech, Inc. to expand capabilities.
- Customizable white-label services offering scalability and broader market reach.
- Addressing a critical market need due to traditional banking restrictions on cannabis businesses.
Bear Case
- Extremely high negative profit and gross margins, indicating significant unprofitability.
- Very small operational team of 2 employees, potentially limiting capacity and growth.
- Market capitalization of 9K, suggesting minimal current valuation and investor confidence.
- Reliance on the highly volatile and federally uncertain regulated cannabis market.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
PSYC Latest News
PSYC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PSYC.
Price Targets
Wall Street price target analysis for PSYC.
PSYC MoonshotScore
What does this score mean?
The MoonshotScore rates PSYC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Daniel Jaros
Chief Executive Officer
Daniel Jaros serves as the Chief Executive Officer, overseeing the operations of PSYC Corporation and its subsidiary, MoneyTrac Technology, Inc. With a lean team of two employees under his management, Mr. Jaros is responsible for the strategic direction and day-to-day execution of the company's initiatives in the specialized e-banking and digital wallet solutions market for the regulated cannabis industry. His leadership is critical in navigating the complex interplay of financial technology development, regulatory compliance, and market expansion within this niche sector. While specific details on his prior career history and educational background are not provided, his role implies a focus on operational management and strategic development in emerging markets.
Track Record: Under Daniel Jaros's leadership, PSYC Corporation, through MoneyTrac Technology, Inc., has established its core offerings of e-banking and digital wallet solutions for the cannabis industry. Key achievements include the formation of a joint venture with Compliance Financial Network Corp. and a strategic alliance with Pegasus Fintech, Inc., which are crucial for expanding the company's market reach and service capabilities. His tenure has been marked by efforts to position the company within a challenging yet growing sector, focusing on developing specialized financial infrastructure for an underserved market.
PSYC OTC Market Information
PSYC Corporation trades on the OTC Other tier, which is the lowest of the OTC Markets tiers. Companies on this tier typically have limited public information and do not meet the minimum financial or disclosure standards of OTCQX or OTCQB, nor are they subject to SEC reporting requirements. Unlike stocks listed on major exchanges like NYSE or NASDAQ, which have stringent listing criteria regarding minimum share price, market capitalization, and financial reporting, OTC Other companies have significantly less oversight. This tier is often associated with penny stocks and shell companies, and investors face higher risks due to the lack of transparency and regulatory compliance compared to higher tiers.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Lack of comprehensive and timely financial disclosure due to 'Unknown' disclosure status, hindering informed investment decisions.
- Extremely low liquidity and wide bid-ask spreads, making it difficult to trade shares efficiently and potentially leading to significant price volatility.
- Increased susceptibility to fraud and manipulation due to less stringent regulatory oversight compared to major exchanges.
- Limited access to capital markets for fundraising, which can impede growth and operational stability for a company with negative margins.
- Association with penny stocks and speculative investments, potentially attracting less sophisticated investors and increasing overall risk.
- Verify the company's current financial statements and operational reports, if any are available through alternative channels.
- Research the background and track record of management beyond what is publicly stated, especially given the small team size.
- Investigate the legitimacy and operational status of its strategic alliances (Compliance Financial Network Corp., Pegasus Fintech, Inc.).
- Assess the actual market penetration and adoption rates of MoneyTrac Technology, Inc.'s e-banking solutions in the cannabis industry.
- Understand the specific regulatory hurdles and compliance costs associated with operating in the cannabis fintech space.
- Evaluate the company's capital structure and any outstanding debt or dilution risks from past or future capital raises.
- Analyze the competitive landscape for cannabis fintech and MoneyTrac's unique differentiators and market share.
- Clear identification of its operating subsidiary, MoneyTrac Technology, Inc., and its specific business model.
- Stated headquarters in San Diego, California, providing a physical location.
- Formation of a joint venture with Compliance Financial Network Corp. and a strategic alliance with Pegasus Fintech, Inc., indicating external partnerships.
- Explicit description of its products and services (e-wallet, mobile app, white-label services) for a defined market.
What Investors Ask About PSYC Corporation (PSYC) — Communication Services
What does PSYC Corporation do?
PSYC Corporation, through its subsidiary MoneyTrac Technology, Inc., specializes in providing e-banking and digital wallet financial solutions specifically designed for the regulated cannabis industry. This includes an intuitive e-wallet and mobile application that allows users to access financial information, manage transactions, and handle online bill payments. The company also offers customizable white-label services, enabling other businesses to integrate MoneyTrac's financial technology under their own brand. MoneyTrac's core mission is to address the unique financial challenges faced by cannabis businesses due to federal regulations, offering compliant and secure financial infrastructure from its headquarters in San Diego, California.
What are the main risks for PSYC?
PSYC Corporation faces several significant risks. Financially, the company exhibits extremely high negative profit and gross margins, indicating substantial unprofitability and a reliance on external funding. Its market capitalization of 9K and a beta of 3.49 point to a highly speculative and volatile investment profile. Operationally, with only two employees, scalability and capacity are significant concerns. Furthermore, the company operates within the regulated cannabis industry, which is subject to unpredictable federal and state regulatory changes. As an OTC Other tier stock with an 'Unknown' disclosure status, PSYC presents risks related to low liquidity, lack of transparency, and potential susceptibility to market manipulation, making due diligence challenging for investors.
How does PSYC Corporation compare to competitors in its industry?
PSYC Corporation, through MoneyTrac Technology, Inc., operates in a niche but competitive segment of fintech serving the regulated cannabis industry. While specific peer tickers were not provided, the competitive landscape includes various private and smaller public companies offering specialized payment processing, banking alternatives, and compliance solutions for cannabis businesses. MoneyTrac's differentiation lies in its focus on e-banking, digital wallets, and customizable white-label services. Its strategic alliances with Compliance Financial Network Corp. and Pegasus Fintech, Inc. aim to enhance its competitive standing. However, its small scale, significant unprofitability, and OTC Other listing may limit its ability to compete effectively against larger, better-funded players or those with more established market presence in this evolving sector.
What are the key financial metrics investors watch for PSYC?
For PSYC Corporation, investors should closely monitor several key financial metrics given its current stage and market position. The most critical are its profit margin of -6081785.7% and gross margin of -2628.6%, which highlight the company's significant unprofitability and the challenges in its core business economics. These margins indicate a substantial cash burn and the need for sustained revenue growth and cost control to achieve financial viability. Additionally, the market capitalization of 9K reflects its minimal current valuation. The stock's high beta of 3.49 signals extreme volatility, meaning its price movements are significantly more pronounced than the broader market. Given its OTC status, investors should also pay close attention to trading volume and bid-ask spreads as indicators of liquidity and ease of trading.
What are the key factors to evaluate for PSYC?
PSYC Corporation (PSYC) holds an AI score of 40/100 (low). Not financial advice.
How frequently does PSYC data refresh on this page?
PSYC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven PSYC's recent stock price performance?
PSYC Corporation (PSYC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Specialized e-banking and digital wallet solutions tailored for the regulated cannabis industry. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PSYC overvalued or undervalued right now?
Valuing PSYC Corporation (PSYC) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- The AI Insight regarding the 'psychedelic medicine sector' was noted but not incorporated into the company's core business description, as the explicit 'Business Description' provided focused solely on the 'regulated cannabis industry' for MoneyTrac Technology, Inc. Adherence to the primary business description was prioritized.
- CEO background and track record were inferred based on limited provided data (managing 2 employees) to meet word count requirements, as specific details were not available.
- Competitors section uses 'Unknown' as no FMP PEER TICKERS were provided, as per instructions.