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Paul Prescott Just Announced (PAPL) Is Topping This Morning's Watchlist—Monday, January 5, 2026.
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January 5, 2026
Don't Wait for the Bell | (PAPL) is Lighting Up Our Watchlist Right Now Dear Reader, Most people don't realize how much of the mortgage process still relies on fragmented systems, manual verification, and slow-moving documentation. Now imagine taking real mortgage records and turning them into metadata-rich digital assets that can be audited, verified, and tracked with far greater speed and clarity. That's the direction one Canadian mortgage platform is moving—combining a regulated brokerage network with block-chain infrastructure already in motion. It's not theoretical: the company has announced key milestones, launched a platform, and set a near-term date for its next major update. Here's the company at the center of it: Pineapple Financial Inc. (NYSE American: PAPL). Pineapple Financial Inc. (NYSE American: PAPL) is an established fintech platform and leading Canadian mortgage brokerage network serving hundreds of brokers nationwide. And the reason it's showing up on our radar right now is simple: the timeline is tightening, the milestones are already public, and the next company update is close. And now, (PAPL) has just landed at the top of our watchlist starting this morning—Monday, January 5, 2026.
But keep in mind, (PAPL) has just 1M shares listed in its public float. When floats are this small, there's the potential for big moves if demand begins to shift. Right now, (PAPL) is currently trending in the $1 to low $2 range, appearing to fly under the radar of my screens—even as the story behind it accelerates. That disconnect is exactly why (PAPL) is worth watching closely—and one analyst is already on record. Technical readings show RSI levels of 15.10 (9-day), 22.15 (14-day), and 27.36 (20-day)—levels that some would describe as oversold, which could set the stage for a potential trend reversal. D. Boral Capital analyst Jason Kolbert is covering Pineapple Financial (AMEX:PAPL) with a Bullish rating and maintains a $5 target, which suggests over 300% upside potential from Friday's $1.23 close. 
Headquartered in Toronto, Ontario, the company operates at the intersection of traditional mortgage origination and block-chain innovation, with regulatory licenses across six Canadian provinces. The company has been recognized as one of Canada's Top-Growing Companies (27th in 2023), won the 2023 Award for Digital Innovation at the Canadian Mortgage Awards, and was named Top Mortgage Employer for 2023. In September 2025, (PAPL) became the first publicly listed company worldwide to hold Injective (INJ) tokens as a treasury asset, establishing the foundation for its groundbreaking mortgage tokenization platform launched in December 2025. Transformational Block-chain Strategy: Mortgage Tokenization Platform
On December 10, 2025, (PAPL) announced the launch of its mortgage tokenization platform for its $13.7B portfolio, bringing real-world mortgage data on-chain. This initiative represents one of the most significant applications of block-chain technology to traditional financial assets in the mortgage industry. The platform, accessible at Pineapple Digital Assets, is powered by Injective's block-chain infrastructure and transforms static mortgage documents into tokenized, metadata-rich assets that are fully auditable, instantly verifiable, and programmable. This migration addresses fundamental inefficiencies in mortgage processing, verification, and data accessibility while creating entirely new asset classes for institutional participants. 
Key Platform Components:
Mortgage Data Marketplace: The Mortgage Data Marketplace provides access to secure digitized mortgage records as transparent fungible digital assets. The platform features compliant data rails with gated access, institutional-grade security, and compliance standards. Each mortgage record includes IPFS (InterPlanetary File System) provenance, creating traceable, audit-ready references for complete transparency. By tokenizing mortgage data as standardized, tradeable digital assets, Pineapple creates a new category of structured mortgage intelligence accessible to institutions and AI models without compromising privacy. Pineapple Prime (Coming Soon): Pineapple Prime will provide access to market-leading yields backed by on-chain mortgages. The platform is designed for institutions and accredited partners seeking the potential for high yields, featuring loan-level transparency with complete provenance at the individual loan level. Built-in programmable controls enable risk and liquidity management with on-chain governance, democratizing mortgage yields by transforming institutional-grade returns into programmable yield pathways accessible to a new class of global participants. Platform Benefits:
The tokenization platform delivers "radical efficiency" by compressing weeks of back-office processing into automated on-chain flows. Underwriting, verification, and reconciliation become faster, cleaner, and programmable—transforming paper files into programmable, trusted assets. Digital Asset Treasury Strategy: $100M Injective Holdings
On September 2, 2025, (PAPL) announced a $100M Injective Digital Asset Treasury Strategy, becoming the first publicly traded company worldwide to hold INJ tokens. The $100M private placement closed on September 5, 2025, with the company completing its first INJ token purchase that same day. The Injective partnership serves dual purposes: treasury diversification through digital asset holdings and technical infrastructure for mortgage tokenization. As disclosed in forward-looking statements, Pineapple faces uncertainties including INJ market price fluctuations, potential impairment charges, and changes in accounting treatment. Upcoming Potential Catalyst: January 8, 2026 Fireside Chat
On December 30, 2025, (PAPL) announced a virtual fireside chat scheduled for Thursday, January 8, 2026 at 11:00 AM ET. CEO Shubha Dasgupta, alongside members of the Injective Foundation, will provide updates on the company's strategic growth trajectory heading into 2026. The discussion will highlight recent tokenization milestones, expanding integration of block-chain infrastructure, and the ongoing collaboration between Pineapple and Injective to advance and optimize Pineapple's digital asset treasury. A recording will be available on (PAPL)'s website following the event. This fireside chat represents a critical moment for management to articulate execution progress on the mortgage tokenization platform, provide transparency on treasury performance, and outline 2026 strategic priorities as the company scales block-chain integration across its $13.7B portfolio. Recent Corporate Developments The company reported fiscal year end 2025 financial results on December 3, 2025, with Q3 FY2025 showing reduced losses and improved cash flow. Recent strategic initiatives include partnerships with BMO for homeownership accessibility and CPP for insurance offerings, plus technology launches including Pineapple+ platform and Renewals+ for customer retention. Dual-Track Value Creation
(PAPL) presents an interesting proposition centered on two parallel value drivers: its traditional Canadian mortgage brokerage operations and its transformational block-chain tokenization platform.
(PAPL)'s December 2025 launch of a mortgage tokenization platform for its $13.7B portfolio could fundamentally transform mortgage data processing and monetization. The Mortgage Data Marketplace creates new revenue by monetizing mortgage intelligence as compliant, tokenized assets. Pineapple Prime (when launched) could unlock institutional capital flows into on-chain mortgage yields, creating a new asset class with Pineapple as primary gateway. As the first publicly listed INJ holder, (PAPL) established early-mover advantage before competitors recognized the potential of tokenization. The company's traditional mortgage operations provide cash flows and an established $13.7B portfolio, reducing execution risk versus greenfield block-chain projects. Recent cost-cutting and improved cash flow (Q3 FY2025) suggest progress toward profitability before block-chain revenue contribution. The January 8, 2026 fireside chat provides a near-term potential catalyst for tokenization updates and 2026 roadmap. 7 Reasons Why (PAPL) is Topping Our Watchlist This Morning
—Monday, January 5, 2026.
1. Small Float: With just 1M shares listed as available to the public, (PAPL)'s small float could witness the potential for big moves if demand begins to shift. 2. Analyst Coverage: D. Boral Capital's Jason Kolbert has a Bullish rating and a $5 target on Pineapple Financial, implying roughly 300% upside potential versus the recent ~$1.23 close for (PAPL) and putting it on the radar of readers who track formal coverage. 3. Oversold Signals: RSI readings of 15.10 (9-day), 22.15 (14-day), and 27.36 (20-day) place (PAPL) in a zone some technicians label oversold, a setup often watched for a potential trend reversal. 4. Near-Term Event: A virtual fireside chat on January 8, 2026 is expected to include updates on tokenization milestones and the Injective collaboration, giving (PAPL) a clear date for new information. 5. Tokenization Launch: A mortgage tokenization platform announced on December 10, 2025 ties (PAPL) to a real-world on-chain initiative built around mortgage data and verification. 6. INJ Treasury First: Recently, (PAPL) disclosed a $100M Injective treasury strategy and positioned itself as the first publicly listed INJ holder, a differentiator that continues to draw attention. 7. Established Platform: Beyond block-chain, (PAPL) operates a recognized Canadian mortgage brokerage network with multiple awards and provincial licensing, giving the story an operating business alongside the digital asset narrative. Put (PAPL) On Your Radar While It's Still Early…
What makes (PAPL) so compelling right now is the way multiple signals are lining up at once. You have a small 1M public float, technical readings that many would classify as oversold, and formal analyst coverage that suggests over 300% upside potential from Friday's $1.23 close. At the same time, this isn't just a chart story—(PAPL) sits on an established Canadian mortgage platform, has disclosed a $100M Injective treasury strategy, and has already announced a mortgage tokenization platform tied to real mortgage data. With a January 8, 2026 fireside chat on the calendar, the timeline for fresh updates is close, and that matters when the market hasn't fully focused on the story yet. Put simply: the setup blends structure, potential catalysts, and real execution milestones in a way that deserves a closer look. We have all eyes on (PAPL) this morning. Take a look at (PAPL) while it's still early. Also, keep a lookout for my next update, it could be hitting any moment. Sincerely, Paul Prescott
Co-Founder & Managing Editor
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