Company: APCXW
Filing Date: 2025-03-31
Form Type: 10-K
Source: 0001683168-25-002130
Chunk: 1

Company: AppTech Payments Corp.
Filing Date: 2025-03-31
Form: 10-K
Item: Item 1
Chunk 1
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 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.

The FinZeo Portal empowers Independent Sales Organizations
(“ISOs”) and Independent Software Vendors (“ISVs”) to seamlessly integrate their businesses, facilitating swift
technology adoption. By leveraging the FinZeo, ISOs/ISVs can streamline operations and foster growth, meeting the economic demands of
their merchants. Through personalized portals, ISOs/ISVs have the flexibility to select and integrate FinZeo payments and banking services,
thereby enhancing their offerings to clients.

FinZeo has a flexible architecture and can be fully
white labeled to allow for rich, personalized payment and banking experiences. This cloud-based platform packages together elements of
AppTech’s intellectual property, BaaS, PaaS and FinZeo Portal to create a one-hub connection point of multitenant portals giving
the merchant, ISO/ISV, and each customer a well-defined user experience.

 2 

Corporate Information

AppTech Corp. reincorporated in Delaware on December
23, 2021, and changed its name to AppTech Payments Corp. The Company’s principal executive offices are located at 5876 Owens Avenue,
Suite 100, Carlsbad, California 92008. Its phone number is (760) 707-5959. Its website address is www.apptechcorp.com and www.finzeo.com.
AppTech does not incorporate the information on or accessible through our website into this report. AppTech has included our website address
in this report solely as an inactive textual reference.

Industry Background

The financial technology and payment processing industries
have become crucial components of the global financial structure, constantly evolving due to technological advancements, shifting consumer
behavior, and new business models. As digital transformation accelerates, sectors like Automated Clearing House (ACH) payments and card
processing play a pivotal role in reshaping the payment landscape.

Automated Clearing House (ACH) Payments, the ACH network
has experienced remarkable growth, both in the volume of transactions and their monetary value. In 2022, ACH processed 30 billion payments
valued at $76.7 trillion, reflecting a 3% increase in transaction volume and a 5.6% rise in the transaction value from the previous year1.
By 2023, The Clearing House’s ACH network