Company: APCXW
Filing Date: 2025-11-13
Form Type: 10-Q
Source: 0001683168-25-008326
Chunk: 20

Company: AppTech Payments Corp.
Filing Date: 2025-11-13
Form: 10-Q
Item: Part I, Item 1
Chunk 20
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2026, and thereafter will be paid in full with ten equal payments of principal and interest ending on January 2027. The note
                                                                                                             is secured by our accounts receivable and 10% of the IP stock.

On October 21, 2025, AppTech entered into a participation
agreement with a related party that will invest $1,500 thousand in three equal monthly installments starting on November 15, 2025 and
ending on January 15, 2026. In return for its investment, the group receives a percentage of gross revenues, until its invested funds
are repaid with an IRR up to 28%. The investment group has the option to invest up to an additional $1,000 thousand.

On October 31, 2025, the current CEO provided a short term, non-interest
bearing loan of $50,000 to the Company.

 18 

Item 2. Management’s Discussion and Analysis
of Financial Condition and Results of Operations.

The following discussion and analysis of our financial
condition and results of operations should be read together with the audited consolidated financial statements and related notes included
elsewhere in this report. Certain statements contained in this report, including statements regarding the anticipated development and
expansion of our business, our intent, belief or current expectations, primarily with respect to the future operating performance of our
company and the products and services we expect to offer and other statements contained herein regarding matters that are 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