The Globe and Mail reports in its Wednesday edition that the Today platform by Toronto fintech XTM Inc. is basically a prepaid MasterCard used to distribute tips to restaurant staff. Guest columnist Corey Mintz writes that over the past year, as society turns increasingly cashless, the card and its software have become more common in chain restaurants. The system presents a major savings in time for managers tasked with distributing tips to employees. However, some workers complain about issues related to the platform, also called Tipstoday, including money lost from their digital wallets when scammers gain improper access. Most importantly, workers have complained about fees for accessing funds and argue that the use of the platform may contravene Ontario's Employment Standards Act, which prohibits restaurants from imposing any "deduction" from tips. Legal or not, it is wrong that workers are essentially made to pay to access their tips. Over the years, we have seen a disruption pattern in the hospitality and tourism sectors. A decade ago, companies such as Uber, Airbnb and DoorDash entered the market with products that offered convenience -- but mostly by ignoring existing labour, licensing, zoning and safety laws.