Company: APCXW
Filing Date: 2025-03-31
Form Type: 10-K
Source: 0001683168-25-002130
Chunk: 8

Company: AppTech Payments Corp.
Filing Date: 2025-03-31
Form: 10-K
Item: Item 1
Chunk 8
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 and deploying customized commerce experiences
runs atop the Platform stack. This will include 1) open and private payment and digital banking APIs, 2) select third-party APIs centered
on personalization and automation, 3) white labeling 4) online collaboration and development tools, and 5) optional professional services
engagement and support.

Similar to experience-focused offerings, our FinZeo
Platform powers immersive content, conversion, marketing automation, payment, and value transfer capabilities for nearly every online
and offline shopping, banking, and financial services scenario. Additionally, our Platform experiences can be taken off-the-shelf or tapped
into via modern APIs to build and embed fully branded and customizable experiences.

In many cases, our products and services are both
available off-the-shelf or through embedded commerce experiences. For example, our patented payment capabilities can be licensed off-the-shelf,
so our clients can take advantage of quick market entry while doing this without any lifting or technical requirements. Alternatively,
payment capabilities and feature sets are available via our open APIs so businesses can embed and customize the experience, i.e. alter
the onboarding experience and subscription triggers. 

Our white-label, digital banking technology platform
with payment capabilities will equip financial institutions (“Fis”), technology providers and brands with a digital “bank-in-a-box”
– also referred to as our Banking-as-a-Service (BaaS) product. Furthermore, our Platform will enable multi-channel, pure digital
financial services products unlike many other providers in the world. It incorporates a “plug-and-play” capability to facilitate
deep integration with payment gateways, POS merchant services, alternative payment mechanisms, open-banking, ERP (“Enterprise Resource
Planning”), Customer Relationship Management (“CRM”) and web and mobile user interfaces to form an end-to-end, embedded,
payment acceptance and digital banking solution that drives innovative and disruptive digital distribution products. Anticipated products
include:

    ·
    Neo-Banking for consumers and SMEs;

    ·
    Embedded B2B and consumer virtual payments (“VCNs”);

    ·
    P2P money transfer;

    ·
    Payroll, expenses, management and B2C and government to consumer (“G2C”) disbursements;

    ·
    Treasury management;

    ·
    Any other product that requires a prepaid or credit balance to be held and transacted upon.

 7 

Other attributes to our FinZeo Platform will include:

    ·
    Patented Technology including a Text-to-P