Nasdaq: APCX Profile

OUR NEW PROFILE IS:   APCX

AppTech Payments Corp. has the ONLY seamless digital payment system that integrates banking and merchant functions for frictionless transactions

MasterCard and VISA have signed on and are fully integrated in

APCX has four patents that cover any invoicing or sale between a computer and computer, a computer and cellphone, and cellphone and a cellphone

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Hello Everyone,

People are fed up. With all the financial technology out there, why is moving money from person to person, business to business, or paying for goods and services in cry-pto still seem like some faraway fantasy?

Why do we need to juggle two, three or even four third party accounts to manage our day-to-day? (3)

This is partly due to the antiquated digital systems many banks and merchants are using to conduct transactions. It’s old. It’s clumsy. It’s patched with third party software. And frankly, on the user end it can get aggravating.

Brands are vulnerable to losing younger consumers who are less tolerant of poor digital shopping experiences and will quickly move on from brands.(4)

More than one-third (38%) of Gen Zers say they allow a brand just one second chance to fix a mistake, then, never mind, I’ll find someone like you. (4)

Brands can’t afford to ignore the power of poor digital experiences or risk being canceled.

It’s really not fair. That’s because all of those banking or merchant activities are outsourced to a third party, it’s not the bank or merchant. It’s called white label infrastructure where the bank or merchant’s branding is simply laid over the third-party program. (5)

A radically different financial architecture is here. Here’s who will own it.

AppTech Payments Corp. is in the process of releasing the ONLY seamless digital payment solution that will change the game forever.

They OWN all the technology patents. And, according to the company sources, VISA, MasterCard, and several large banks have all already signed on for full integration with their systems. (6)

Heck, if things go as planned, who knows, this could be like having another chance to get in early on Google, Amazon, and Apple.

• It’s practically the “holy grail” of untapped opportunity…
• No one in the “mainstream” is talking about it…
• The earning potential is on par with market behemoths – and perhaps even bigger…
• It’s the ONLY FinTech solution that eliminates the need for costly and potentially buggy middleware…
• But the best part?

It may be FAR easier for AppTech to eliminate the competition without having to claw their way into a “red ocean.”

Why? The company doesn’t even have to make a single sale to generate streams of revenue because the BIG customers are already in place… #patented Text-to-Pay technology for contactless #payments🚀 Find out more👉 https://t.co/Zd5qo45qYi pic.twitter.com/aiKvpiyoeo

— AppTech Payments Corp. (@AppTechCorp) April 5, 2022

In the early 2000s in the halls of Harvard University an economic theory was created. It’s called “red ocean, blue ocean”. (7)

The Red Ocean includes all of these big merchant processors and all these banking software companies who are picking each other apart in price wars in an ocean of big money. That makes for very bloody or red waters. The Blue Ocean is where AppTech swims. There’s no blood but there’s $2.5 trillion in liquid cash sloshing around. (2) In fact, they created their own blue ocean. They found a market where money is already being spent – they entered that market with an entirely new solution that’s cheaper, better, and faster.

The Red Ocean dwellers are left standing in disbelief – they operate on the assumption that it’s not possible to do what AppTech has done.

RECENT CATALYSTS

• Successfully uplisted onto NASDAQ on January 7, 2022.
• Onboarded a seasoned development team of experts who have expedited the platform launch date. In addition, the Company onboarded its new sales director and head of business development who will be tasked with building the foundation for the Company’s planned expansion.
• Inaugural Strategic Summit was held March 22-23, 20022 where management team gathered to discuss the Fintech platform architecture and go-to-market plan. The initial demos were also showcased.
• Developed key system functions, including CI/CD pipelines, go-forward scalable and secure AWS infrastructure, POC for Text2Pay Invoice System, and POC for Crypto Payments Invoice System.
• Researched, identified, and vetted partnership with digital asset platform partners for blockchain and cryptocurrency use cases.
• Co-developed end-to-end, automated product and opportunity intake process to streamline, categorize and prioritize new products/features and business development opportunities.

Re-Shaping the Future of Finance

They have created the ONLY single platform that does both sides of the banking and merchant processing in the world – AND it has all the compliance portions built-in. (6)

AppTech’s channel to market is B2B2C. Their clients are the large digital platforms as well as large brick and mortar store chains already using banking and merchant services.

Once they set up these clients, the end user is automatically in the process. This includes the Web and Phone/SMS sales.

THE PATENTS

The big reason it’s going to be hard to beat AppTech – ever – is their patents. They have four impenetrable patents assigned. These patents are powerful and cover any invoicing or sale between a computer and computer, a computer and cellphone, and cellphone and a cellphone.

It could be said, everyone in the world might be breaking their patents right now. They have not looked to enforce them…yet.

That said, to avoid conflicts it would not be strange to see many companies begin to switch over to AppTech’s system when the final platform is released.

System and Method for Delivering Web Content to a Mobile Device
View Patent 8,073,895 | View Assignment for Patent 8,073,895

View Patent 8,572,166 | View Assignment for Patent 8,572,166

Mobile-to-Mobile Payment System and Method
View Patent 8,369,828 | View Assignment for Patent 8,369,828

Computer to Mobile Two-Way Chat System and Method
View Patent 8,315,184 | View Assignment for Patent 8,315,184
This Company Is Set to Become the Next Giant in the Explosive “FinTech Boom”

According to a report by JPMorgan, by 2025, widespread adoption and greater use of digital financial services could increase the gross domestic products (GDP) of all emerging economies by 6%, or $3.7 trillion, creating 95 million new jobs. (14)

This potential is already being realized. Today there are at least six payments and fintech unicorns — i.e., startups valued greater than $1 billion — in Africa alone. (14)

And, Deloitte says in their Finance 2025 report, “The technologies needed to reimagine finance are here and they will only get better.…” (8)

There hasn’t been a global shift like this on the horizon since the railroad, or the internet.

Even if you owned every single share of Amazon, which completely revolutionized the entire retail space, that would be worth somewhere around $1.6 trillion. (9)

While that is definitely not pocket change, it’s still less than the $2.5 trillion market this new tech could revolutionize.

Solving the Rising Tide of Buyers Wanting to Use Alternative Currency

Speaking of revolutions. Here’s one that AppTech is solving in a brilliant way…

In their report, The Rise of Using Cry-pto-currency in Business, Deloitte states, “More than 2,300 US businesses accept bit-coin, according to one estimate from late 2020, and that doesn’t include bit-coin ATMs. An increasing number of companies worldwide are using bit-coin and other digital assets for a host of investment, operational, and transactional purposes.” (10).

However, today’s systems are fragmented and cannot quickly convert any transaction from whatever payment source to accepted fiat. It’s not a big problem with smaller items under $100. It’s become quite the hassle with larger items like down payments or full payment for cars, houses, or boats.

This capability is not integrated into their payment systems. They have to leave their system and depending on what cry-pto their customer is using, the merchant has to use 3 to 5 other systems for conversions and uploads and downloads, and transfers. (11)

It’s not so much a regulatory issue either. The use of cry-pto is legal in the US, most of Europe and Canada, however It’s illegal to use cry-pto in China and a few other countries. (12)

AppTech’s platform has this capability integrated, one can pay in any acceptable form and convert on the fly to the currency of sale. How big is this?

According to the report, the Global Payment Gateway Market is expected to generate a revenue of $67.4 billion by 2028, growing exponentially at a CAGR of 16.6% during the forecast period (2021-2028). (13)

Moving from AppTech 1.0 to AppTech 2.0.

AppTech is run by some of the best thinkers and developers of today’s current merchant processing platforms and banking platforms.

There are only a handful of large processors IN THE WORLD and AppTech is made of the best of the best.

The top programmers from those companies saw the opportunity and came over to AppTech in 2015 -2018. They had one goal in mind – to build the next generation platform.

AppTech 1.0: infrastructure development getting ready to launch.
AppTech 2.0: revenue generation

Designed and built from the ground up to be a single solution.

The platform was envisioned to be for everything from receiving money to all the banking services. They set out to create the ONLY single platform that does both sides of the banking and merchant processing in the world.

Today’s systems require a ton of programming using the current patchwork solutions. This is because the systems in place were designed before all these new channels (SMS, Web, etc.) to the consumer ever existed.

With today’s systems the databases are all talking to each other, and all the systems are intertwined – if you make a change in one place and who knows what’s going to get affected?

Cheaper. Faster. Better.

With AppTech, integration fees are lower and the cost to create and maintain a great user experience between all the sales channels. In-store, online, phone etc. is 25% the cost of upgrading or developer costs.

The bottom line is the integration of the AppTech solution in a large enterprise is millions of dollars cheaper and hundreds of thousands cheaper in a midsized company.

And on a side note, here’s an exciting piece of news. Rumor has it that there will be big releases in the next couple of weeks. It may have something to do with the Metaverse and the Oculus 2s. We’ll have to wait and see on that one!

NEWS

• GlobeNewswire•7 days ago

  AppTech Payments Corp. Reports Fourth Quarter and Fiscal Year 2021 Results

  CARLSBAD, Calif., March 31, 2022 (GLOBE NEWSWIRE) — AppTech Payments Corp. (“AppTech”) (NASDAQ: APCX) a Fintech company powering commerce experiences, today announced results for its Fourth Quarter and Fiscal Year ended December 31, 2021. The financial statements and 10-K are available on sec.gov. Fourth Quarter and Fiscal Year 2021 Financial Highlights 4Q21 revenues were $95,136, a 3.0% increase versus 3Q21, driven by larger processing volumes.Fiscal year 2021 revenues were $353,824, a 7% incr

  

  GlobeNewswire•9 days ago

  AppTech Payments Corp. Welcomes Howard Fish as Director of Sales and Business Development

  CARLSBAD, Calif., March 29, 2022 (GLOBE NEWSWIRE) — AppTech Payments Corp. (“AppTech”) (NASDAQ: APCX) a Fintech company powering commerce experiences, announced today that Howard Fish has joined the team as the Director of Sales and Business Development. Howard joins AppTech from i3 Verticals where he served as the Director of Integrated Payments. Howard brings over 30+ years of financial services, banking and integrated payments sales, leadership and management success to the company. He will
• 

  GlobeNewswire•16 days ago

  AppTech Payments Corp. Announces 2022 Annual Shareholder Meeting

  CARLSBAD, Calif., March 22, 2022 (GLOBE NEWSWIRE) — AppTech Payments Corp. (“AppTech”) (NASDAQ: APCX) a fintech company powering commerce experiences, announced today it filed its proxy statement and will hold its Annual Shareholder Meeting on May 3, 2022, at 10:00 AM PST. To enable shareholders to attend despite their location, AppTech will hold the meeting exclusively online. Meeting details and instructions to access proxy materials have been disseminated to shareholders of record via direct
• 

  GlobeNewswire•last month

  AppTech Payments Corp. Mutually Terminates Strategic Partnership with Silver Alert Services, LLC

  CARLSBAD, Calif., Feb. 22, 2022 (GLOBE NEWSWIRE) — AppTech Payments Corp. (“AppTech”) (NASDAQ: APCX), today announced its partnership with Silver Alert Services, LLC (Silver Alert); dba, LifeLight Services (“LifeLight”), has been terminated by mutual agreement with an effective date of Feb. 17, 2022. The termination is due to the delayed release of LifeLight Systems, Silver Alert Services innovative and comprehensive remote patient monitoring system, due to the market effects of COVID. This par
• 

  GlobeNewswire•3 months ago

  AppTech Payments Corp. Kicks off 2022 By Welcoming Nicholas Nolasco and Scott Carnley as Senior Leaders within the Company’s Research, Development & InfraOps Team

  CARLSBAD, Calif., Jan. 13, 2022 (GLOBE NEWSWIRE) — AppTech Payments Corp. (“AppTech”) (NASDAQ: APCX), a fintech company powering commerce experiences, announced today that they have appointed Nicholas Nolasco and Scott Carnley as members of the company’s senior technical leadership team. Nicolas will be AppTech’s Chief Architect responsible for setting the technical strategy and direction of AppTech’s fintech platform; ensuring that it is robust, scalable, and secure. Nicolas joins AppTech from
• 

  GlobeNewswire•3 months ago

  AppTech Payments Corp. Announces Closing of $15.0 Million Underwritten Public Offering and Nasdaq Listing

  CARLSBAD, Calif., Jan. 07, 2022 (GLOBE NEWSWIRE) — AppTech Payments Corp. (“AppTech”)(NASDAQ: APCX), a fintech company powering commerce experiences, today announced the closing of its underwritten public offering of 3,614,458 units, each unit consisting of one share of common stock (the “Common Stock”) and one warrant (the “Warrants”) to purchase one share of Common Stock, at a public offering price of $4.15 per unit, for aggregate gross proceeds of approximately $15.0 million, prior to deduct
• 

  GlobeNewswire•3 months ago

  Correction Notice to Press Release Regarding Pricing of $15.0 Million Underwritten Public Offering and Nasdaq Listing

  CARLSBAD, Calif., Jan. 05, 2022 (GLOBE NEWSWIRE) — AppTech Payments Corp. (“AppTech”) (NASDAQ: APCX) announced today a correction to its press release issued on January 4, 2022 in respect to the effective time of its reverse stock split. In the press release the effective time of its reverse stock split was misstated as on or about 8:50 a.m. Eastern Time, on Wednesday, January 5, 2022. The correct effective time is 12:01 a.m. Eastern Time, on Wednesday, January 5, 2022. About AppTech AppTech Pa
• 

  GlobeNewswire•3 months ago

  AppTech Payments Corp. Announces Pricing of $15.0 Million Underwritten Public Offering and Nasdaq Listing

  CARLSBAD, Calif., Jan. 04, 2022 (GLOBE NEWSWIRE) — AppTech Payments Corp. (“AppTech”) (OTC: APCX), a fintech company powering commerce experiences, today announced the pricing of its underwritten public offering of 3,614,458 units, each unit consisting of one share of common stock (the “Common Stock”) and one warrant (the “Warrants”) to purchase one share of Common Stock, at a public offering price of $4.15 per unit, for aggregate gross proceeds of approximately $15.0 million, prior to deductin
• 

  GlobeNewswire•4 months ago

  AppTech Payments Corp. Welcomes Software Veteran, Aram Aghapour, as Senior Vice President of Research, Development & Infrastructure Operations

  CARLSBAD, Calif., Dec. 21, 2021 (GLOBE NEWSWIRE) — AppTech Payments Corp. (“AppTech”) (OTC: APCX), a fintech company powering commerce experiences, announced today that Aram A. Aghapour has joined their senior leadership team as Senior Vice President of Research, Development, and Infrastructure Operations. Mr. Aghapour joins us from application security firm, Microfocus Fortify, where he helped some of the world’s largest financial firms build out and maintain their DevSecOps programs and impro
• 

  GlobeNewswire•4 months ago

  AppTech Corp. Appoints Chad Nelley as Chief Operations Officer

  CARLSBAD, Calif., Dec. 09, 2021 (GLOBE NEWSWIRE) — AppTech Corp. (“AppTech”) (OTC: APCX), a fintech company powering commerce experiences, announced today that Chad Nelley has joined the Executive Management Team as Chief Operating Officer. As COO of AppTech, Chad will provide leadership to establish and deploy policies and procedures to achieve operational success and go-to-market execution, including but not limited to organizational structure, revenue operations, customer success, human reso
• 

  GlobeNewswire•4 months ago

  AppTech Corp. Welcomes Bryan Guy to the Management Team as Senior Vice President of Product Management and Experiences

  CARLSBAD, Calif., Dec. 07, 2021 (GLOBE NEWSWIRE) — AppTech Corp. (“AppTech”) (OTC: APCX), a fintech company powering commerce experiences, today announced that Bryan Guy has joined the senior leadership team as Senior Vice President of Product Management and Experiences. Bryan joins AppTech from the technology consulting sector where he recently contributed to the development of AppTech’s new product and go-to-market strategy. In this new role, Bryan will be responsible for leading product stra
• 

  GlobeNewswire•4 months ago

  AppTech Corp. Appoints Ben Jenkins, Payments and Software Innovator, as Chief Technology Officer

  CARLSBAD, Calif., Dec. 01, 2021 (GLOBE NEWSWIRE) — AppTech Corp. (“AppTech”) (OTC: APCX), a fintech company powering commerce experiences, today announced that Ben Jenkins has joined the Executive Management Team as Chief Technology Officer. Mr. Jenkins joins us from Innovations Realized where he most recently played an integral role in orchestrating the digital transformation of AppTech’s fintech platform. As CTO, Mr. Jenkins will be responsible for overseeing the ongoing strategy, development
• 

  GlobeNewswire•4 months ago

  AppTech Corp. Announces 2021 Annual Shareholder Meeting

  CARLSBAD, Calif., Nov. 23, 2021 (GLOBE NEWSWIRE) — AppTech Corp. (“AppTech”) (OTC: APCX) a fintech company powering commerce experiences, announced today it filed its proxy statement and will hold its Annual Shareholder Meeting on December 29, 2021 at 10:30 am pst. To enable shareholders to attend despite their location, AppTech will hold the meeting exclusively online. Meeting details and instructions to access proxy materials have been disseminated to shareholders of record via direct mail in
• 

  GlobeNewswire•6 months ago

  AppTech Corp. Converts or Cures Default on Vast Majority of Outstanding Debt

  CARLSBAD, Calif., Oct. 04, 2021 (GLOBE NEWSWIRE) — AppTech Corp. (“AppTech”) (OTC: APCX) a fintech company, announced today that the Company converted or cured the default on vast majority of its previously defaulted debt. To aid in its endeavor of listing on a national exchange to further enhance its financial stability, AppTech negotiated with debt holders to restructure their debt. The negotiations were well received by the debt holders permitting the Company to significantly improve its fin

MANAGEMENT TEAM

Luke D’Angelo
Chief Executive Officer & Executive Director

Gary Wachs
Chief Financial Officer

Virgilio Llapitan
President

Ben Jenkins
Chief Technology Officer

Chad Nelley
Chief Operations Officer

SOURCES

Source 1: https://www.mckinsey.com/cn/our-insights/our-insights/seven-technologies-shaping-the-future-of-fintech
Source 2: https://www.businesswire.com/news/home/20211124006042/en/Global-Digital-Payment-Market-Report-2021-Transactions-Worth-7-Trillion-is-Expected-to-Shift-from-Cash-to-Card-and-Digital-Payments-by-2023—Forecast-to-2028—ResearchAndMarkets.com
Source 3: https://www.digitaltransactions.net/consumers-say-friction-is-a-leading-cause-of-late-bill-payments-especially-online/
Source 4: https://www.marketingdive.com/news/brands-could-lose-fickle-gen-zers-over-poor-digital-experiences/598522/
Source 5: https://www.paymentsjournal.com/community-banks-embrace-third-party-platforms-to-empower-growth/
Source 6: https://apptechcorp.com/digital-banking/
Source 7: https://www.clearpointstrategy.com/blue-ocean-strategy/
Source 8: https://www2.deloitte.com/us/en/pages/finance-transformation/articles/finance-digital-transformation-for-cfos.html
Source 9: https://www.macrotrends.net/stocks/charts/AMZN/amazon/shares-outstanding
Source 10: https://tinyurl.com/3pb5jpyh
Source 11: https://tinyurl.com/ycxmv76j
Source 12: https://tinyurl.com/2p988yvf
Source 13: https://www.prnewswire.com/news-releases/global-payment-gateway-market-anticipated-to-garner-a-revenue-of-67-434-4-million-by-2028–growing-at-a-cagr-of-16-6-from-2021-2028–exclusive-report-223-pages-by-research-dive-301391554.html
Source 14: https://www.jpmorgan.com/content/dam/jpm/treasury-services/documents/jpm-payments-are-eating-the-world.pdf
Source 15: https://apptechcorp.com/company/#intellectualProperty

Sincerely,