Company: APCXW
Filing Date: 2025-08-14
Form Type: 10-Q
Source: 0001683168-25-006148
Chunk: 44

Company: AppTech Payments Corp.
Filing Date: 2025-08-14
Form: 10-Q
Item: Part II, Item 8
Chunk 44
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 not historical
facts, are “forward-looking” statements. Our Management’s Discussion and Analysis contains not only statements that
are historical facts, but also forward-looking statements which involve risks, uncertainties, and assumptions. Because forward-looking
statements are inherently subject to risks and uncertainties, our actual results may differ materially from the results discussed in the
forward-looking statements.

Business Overview

The financial services industry is undergoing accelerated
transformation driven by technological innovation and a rapidly evolving regulatory environment surrounding stablecoins and digital assets.
Regulatory clarity around asset-backed stablecoins, custody solutions, and tokenized financial instruments is reshaping how digital financial
services are structured, offered, and consumed. At the same time, advancements in blockchain infrastructure and real-time settlement capabilities
are enabling more seamless, secure, and transparent user experiences. Consumers now expect intuitive access to compliant digital assets,
while businesses must adapt to shifting oversight and operational requirements to stay competitive. In this dynamic landscape, organizations
are challenged to balance innovation with compliance, delivering scalable, future-proof solutions that meet both market demands and regulatory
expectations

To flourish in this environment, businesses need to
adopt new technologies to engage, communicate and process payments and manage payouts with their customers from a supplier that widely
supports innovation and adaptation as the industry evolves. We believe our technologies will greatly increase the adoption of omni-channel
payments and digital banking solutions in sectors that must quickly adapt and migrate to new, secure digital Fintech technologies. By
embracing advancements in the payment and banking industries, we are well-positioned to meet the growing needs of existing and prospective
clients and intend for our current and future products to be at the forefront of solving these accelerated market needs.

AppTech’s all-in-one Fintech platform, FinZeo™,
delivers financial technologies and capabilities through an ever-evolving modular cloud/edge-based architecture. The FinZeo platform houses
a large array of financial products and services that can be implemented off-the-shelf or customized via modern APIs. Within its FinZeo
platform, AppTech offers Payments-as-a-Service (“PaaS”), and Banking-as-a-Service (“BaaS”).

FinZeo provides PaaS via integrated solutions for
frictionless digital and mobile payment acceptance. These solutions provide advanced payment processing solutions by catering to the unique
needs of each merchant. FinZeo’s PaaS solutions include ACH (automatic clearing house), credit & debit cards, eCheck, mobile
processing, electronic billing, and text-to-pay. P