Company: APCXW
Filing Date: 2025-03-31
Form Type: 10-K
Source: 0001683168-25-002130
Chunk: 4

Company: AppTech Payments Corp.
Filing Date: 2025-03-31
Form: 10-K
Item: Item 1
Chunk 4
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 to market. In addition, we are positioned to utilize this model to grow industry partnerships
and app marketplace plugins thus further leveraging our capabilities and market reach.

Founded on a modern core platform backed by an intelligent
financial technology framework, our ability to rapidly deploy solutions and experiences that are otherwise cumbersome, expensive and often
fall short of expectations will prove successful. Our position is to penetrate deep into certain segments to build a model that will directly
drive growth. Gaining robust insights in these segments while delivering best-in-class experiences will also produce future opportunities
to expand our off-the-shelf solutions to other verticals or sub-verticals that are challenged with solving similar problems.

While our core foundational platform will continue
to adapt and grow based on new innovations, we are launching into the market an extremely robust and innovative set of secure digital
banking and payments features and functionality. This will allow us to quickly deliver the future of digital finance to meet the demands
of the markets we intend to serve without the deployment burdens encumbering the market today.

Additionally, the patent protection for some of our
products is uncommon within the Fintech industry. This protection prevents competitors from replicating our products to carve away at
our anticipated market share. Therefore, backing our text payment and lead generation products with patents strengthens the viability
of such products by limiting direct competition and strengthening strategic partnerships. It is expected that we will also expand our
patent portfolio through new innovations and acquisitions.

Our Growth Strategy

We intend to grow by leveraging our existing IP, continually
developing products and solutions, establishing strategic partnerships and seeking selective acquisitions that uniquely complement our
core business to meet growing market demand. From traditional merchant accounts to customizable inbound and outbound payment solutions,
we intend to modernize and enhance the payment processing and digital banking capabilities for businesses throughout the world. Our business
objective is to generate revenue based on licensing and subscription fees, transactional processing fees, product line growth, and continual
advancement of our IP portfolio.

 4 

Our target market is forward-thinking financial institutions,
technology companies, and Small to Medium Enterprises (“SME”) seeking to broaden their distribution through the addition of
digital omnichannel payments and digital banking technologies. We will serve these markets by reducing integration complexity and streamlining
their integrated financial services capabilities.

SMEs generally lack the resources of large enterprises
to invest heavily in technology. As a result, they are more dependent on service providers, like AppTech, to handle critical functions
including payment acceptance and other support