Company: APCXW
Filing Date: 2025-05-14
Form Type: 10-Q
Source: 0001683168-25-003561
Chunk: 48

Company: AppTech Payments Corp.
Filing Date: 2025-05-14
Form: 10-Q
Item: Part I, Item 2
Chunk 48
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 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.

Also,
Independent Sales Organizations (ISOs) and Independent Software Vendors (ISVs), can seamlessly integrate their businesses with the
FinZeo Portal, which facilitates swift technology adoption. By
leveraging the FinZeo portal, 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, and PaaS to create a one-hub connection point of multi-tenant portals giving the merchant,
ISO/ISV, and each customer a well-defined user experience.

 17 

Recent Developments

The Company has successfully remedied its equity
deficiency; however, it was unable to satisfy the $1.00 minimum bid price requirement for 10 consecutive business days, as mandated by
Nasdaq Listing Rule 5550(a)(2). Consequently, the Company anticipates being delisted from Nasdaq and transitioning to trading on the OTCQB
market. Management remains committed to enhancing shareholder value and intends to pursue an uplisting to a national exchange before the
end of the fiscal year.

Financial Operations Overview

The following discussion sets forth certain components
of our statements of operations as well as factors that impact those items