Company: APCXW
Filing Date: 2025-11-13
Form Type: 10-Q
Source: 0001683168-25-008326
Chunk: 21

Company: AppTech Payments Corp.
Filing Date: 2025-11-13
Form: 10-Q
Item: Part I, Item 1
Chunk 21
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 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. PaaS will also solve for multi-use case, multi-channel, API-driven, account-based
issuer processing for card, digital tokens, and payment transfer transactions.

AppTech is positioned to further accelerate digital
transformation through BaaS, layered with financial management tools that empower financial institutions to provide businesses, professionals,
and individuals with the ability to better manage their finances anywhere, anytime at a fraction of the cost of traditional banking and
financial services. BaaS fosters an ecosystem of immersive and scalable digital financial management services, including FinZeo's groundbreaking
automated underwriting portal. By digitizing the underwriting process, Automated Underwriting expedites business onboarding with its intuitive
digital application and e-signature capabilities. This portal offers customizable pricing, risk models, and access to multiple processors,
ensuring tailored solutions for diverse needs.

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Also, Fintechs, Independent Sales Organizations
(ISOs) and Independent Software Vendors (ISVs), can seamlessly integrate their businesses with the FinZeo Portal or BaaS solution, which