AppTech Payments Corp 10-K for FY2025

AppTech Payments Corp. (APCX)

10-K 2026-03-31 For: 2025-12-31

Added on April 06, 2026

About this 10-K

AppTech Payments Corp filed this 10-K on March 31, 2026, covering the fiscal year ended December 31, 2025 (FY2025).

Headline figures

Fiscal year ended December 31, 2025, as reported in this filing, compared with the same period a year earlier where the filing states it.

Revenue: $1.4M; up 405.4% from $276K a year earlier
Net loss: $7.92M; compared with a net loss of $8.93M a year earlier
Diluted EPS: -$0.23; compared with -$0.35 a year earlier

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Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $0.001 par value per share	APCX	OTC Venture Market
Warrants, each whole warrant exercisable for one share of common stock at an exercise price of $4.15	APCXW	OTC Venture Market

Large accelerated filer	☐	Accelerated filer	☐

Non-accelerated filer	☒	Smaller reporting company	☒

		Emerging growth company	☐

		Page
	Part I
	Special Note Regarding Forward-Looking Statements and Projections	1
Item 1.	Business	2
Item 1A.	Risk Factors	6
Item 1B.	Unresolved Staff Comments	6
Item 1C.	Cybersecurity	6
Item 2.	Properties	8
Item 3.	Legal Proceedings	8
Item 4.	Mine Safety Disclosures	8

	Part II
Item 5.	Market for Registrant’s Common Equity, Related Shareholder Matters and Issuer Purchases of Equity Securities	9
Item 6.	[Reserved]	9
Item 7.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	9
Item 7A.	Qualitative and Quantitative Disclosures about Market Risk	16
Item 8.	Financial Statements and Supplementary Data	17
Item 9.	Changes in and Disagreements with Accountants on Accounting and Financial Disclosure	17
Item 9A.	Controls and Procedures	17
Item 9B.	Other Information	18
Item 9C.	Disclosure Regarding Foreign Jurisdictions that Prevent Inspections	18

	Part III
Item 10.	Directors, Executive Officers and Corporate Governance	19
Item 11.	Executive Compensation	19
Item 12.	Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters	19
Item 13.	Certain Relationships and Related Transactions and Director Independence
Item 14.	Principal Accountant Fees and Services	20

	Part IV
Item 15.	Exhibits and Financial Statements Schedules	21
Item 16.	Form 10-K Summary	21

Index to Financial Statements		22
Exhibit Index		45
Signatures		50

	·	delays and uncertainty associated with the boarding of clients to our platform;

	·	substantial investment and costs associated with new potential revenue streams and their corresponding contractual obligations;

	·	a slowdown or reduction in our sales due to a reduction in end user demand, unanticipated competition, regulatory issues, or other unexpected circumstances;

	·	uncertainty regarding adverse macroeconomic conditions, including inflation, a recession, changes to fiscal and monetary policy, tighter credit, higher interest rates, consumer confidence and spending, and high unemployment;

	·	dependence on third-parties needed to facilitate our automated clearing house (“ACH”) and merchant service capabilities;

	·	delay in or failure to obtain regulatory approval for any future products in additional countries, and;

	·	current and future laws and regulations.

	·	Continuous monitoring of our networks and systems for signs of unauthorized activity.
	·	Regular updates to our cybersecurity measures to address new vulnerabilities and threats.
	·	Collaboration with industry partners and government agencies to share information on threats and best practices for cybersecurity.
	·	Maintaining cyber insurance to mitigate the financial impact of potential cybersecurity incidents.

	Years ended December 31						Change
($ in thousands)	2025			2024			Amount			%

Revenue	$	1,395		$	276		$	1,119			405.4%
Cost of revenue		624			52			572			1,100.0%
Gross profit		771			224			547			244.2%

Operating expenses
General and administrative		6,003			7,794			(1,791	)		(23.0%	)
Research and development		2,347			1,977			370			18.7%
Total operating expenses		8,350			9,771			(1,421	)		(14.5%	)

Loss from operations		(7,579	)		(9,547	)		1,968			(20.6%	)

Other income (expenses)
Interest expense, net		(121	)		(67	)		(54	)		80.6%
Gain on debt extinguishment		13			1,245			(1,232	)		(99.0%	)
Loss on change in fair value of contingent consideration		(174	)		–			(174	)		–
Debt discount amortization		(104	)		(579	)		475			(82.0%	)
Other income (expense)		45			15			30			200.0
Total other income (expenses)		(341	)		614			(955	)		(155.5%	)

Loss before income taxes		(7,920	)		(8,933	)		1,013			(11.3%	)

Provision for income taxes		–			–			–			–

Net loss	$	(7,920	)	$	(8,933	)	$	1,013			(11.3%	)


	2025			2024

Net cash used in operating activities	$	(4,889	)	$	(7,457	)
Net cash used in investing activities	$	(1,884	)	$	(1,159	)
Net cash provided by financing activities	$	6,149		$	8,203

	1.	Financial Statements. See Index to Financial Statements under Item 8 of this Annual Report on Form 10-K.

	2.	Financial Statement Schedules. All schedules have been omitted because the information required to be presented in them is not applicable or is shown in the financial statements or related notes.

	3.	Exhibits. We have filed, or incorporated into this Annual Report on Form 10-K by reference, the exhibits listed on the accompanying Exhibit Index immediately following the financial statements contained in this Annual Report on Form 10-K.

	Pages

Report of Independent Registered Public Accounting Firm (PCAOB ID 3501)	23

Consolidated Balance Sheets	25

Consolidated Statements of Operations	26

Consolidated Statements of Stockholders’ Equity	27

Consolidated Statements of Cash Flows	28

Notes to the Consolidated Financial Statements	29


	December 31, 2025			December 31, 2024
ASSETS
Current assets
Cash and cash equivalents	$	244		$	868
Accounts receivable		350			43
Prepaid expenses		25			159
Interest receivable		46			–
Other current assets		250			1,350
Total current assets		915			2,420
Right of use asset		18			86
Security deposit		32			86
Intangible assets, net of accumulated amortization		4,151			3,410
Goodwill		2,956			1,161
Capitalized software development, net of accumulated amortization		1,321			1,823
TOTAL ASSETS	$	9,393		$	8,986

LIABILITIES AND STOCKHOLDERS’ EQUITY
Current liabilities
Accounts payable	$	2,566		$	1,853
Accrued liabilities		1,321			1,519
Notes payable		250			–
Notes payable – related party		1,000			–
Convertible notes payable, net of discount of $66		717			–
Deferred revenue		5			–
Contingent consideration		564			–
Right of use liability		18			68
Total current liabilities		6,441			3,440
Long-term liabilities
Right of use liability, net of current portion		–			18
Notes payable – related party, net of current portion		1,000			–
Notes payable, net of current portion		59			61
Total long-term liabilities		1,059			79
TOTAL LIABILITIES		7,500			3,519

Commitments and contingencies (Note 8)		–			–

Stockholders’ equity
Series A preferred stock; $0.001 par value; 100,000 shares authorized; 14 shares issued and outstanding at December 31, 2025 and 2024		–			–
Common stock, $0.001 par value; 105,263,158 shares authorized; 40,488,934 and 33,278,934 issued and outstanding at December 31, 2025 and 2024, respectively		40			33
Additional paid-in capital		178,470			174,131
Accumulated deficit		(176,617	)		(168,697	)
Total stockholders’ equity		1,893			5,467
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$	9,393		$	8,986


	December 31, 2025			December 31, 2024

Revenues	$	1,395		$	276
Cost of revenues		624			52
Gross profit		771			224

Operating expenses:
General and administrative, including stock-based compensation of $981 thousand and $1,254 thousand, for the years ended December 31, 2025 and 2024, respectively		6,003			7,794
Research and development, including stock-based compensation of $0 thousand and $138 thousand, for the years ended December 31, 2025 and 2024, respectively		2,347			1,977
Total operating expenses		8,350			9,771

Loss from operations		(7,579	)		(9,547	)

Other income (expenses)
Interest expense		(121	)		(67	)
Gain on debt extinguishment		13			1,245
Loss on change in fair value of contingent consideration		(174	)		–
Debt discount amortization		(104	)		(579	)
Other income		45			15
Total other expenses		(341	)		614

Loss before provision for income taxes		(7,920	)		(8,933	)

Provision for income taxes		–			–

Net loss		(7,920	)		(8,933	)
Deemed dividend related to warrant resets		–			(15	)
Net loss attributable to common stockholders	$	(7,920	)	$	(8,948	)

Basic and diluted net loss per common share	$	(0.23	)	$	(0.35	)
Weighted-average number of shares used basic and diluted per share amounts		34,872,578			25,305,837


	Series A Preferred				Common Stock				Additional Paid-in			Accumulated			Stockholders’
	Shares		Amount		Shares		Amount		Capital			Deficit			Equity

Balance December 31, 2023		14	$	–		22,251,742	$	22	$	163,921		$	(159,749	)	$	4,194
Net loss		–		–		–		–		–			(8,933	)		(8,933	)
Stock-based compensation		–		–		260,000		–		1,392			–			1,392
Net proceeds from sale of common stock		–		–		6,473,180		7		6,281			–			6,288
Offering costs		–		–		–		–		(68	)		–			(68	)
Repricing of warrants		–		–		–		–		15			(15	)		–
Shares issued for debt conversion		–		–		1,975,606		2		1,124			–			1,126
Warrants issued		–		–		–		–		334			–			334
Warrants exercised, net		–		–		1,666,667		2		1,008			–			1,010
Warrants exercised – cashless		–		–		521,739		–		–			–			–
Shares issued with notes payable		–		–		130,000		–		124			–			124
Balance December 31, 2024		14	$	–		33,278,934	$	33	$	174,131		$	(168,697	)	$	5,467
Net loss		–		–		–		–		–			(7,920	)		(7,920	)
Stock-based compensation		–		–		10,000		–		981			–			981
Net proceeds from sale of common stock		–		–		2,200,000		2		2,198			–			2,200
Warrants issued for acquisition		–		–		–		–		365			–			365
Common stock issued for Infinitus Pay, Inc acquisition		–		–		5,000,000		5		795			–			800
Balance December 31, 2025		14	$	–		40,488,934	$	40	$	178,470		$	(176,617	)	$	1,893


	December 31, 2025			December 31, 2024
CASH FLOWS FROM OPERATING ACTIVITIES:
Net loss	$	(7,920	)	$	(8,933	)
Adjustments to reconcile net loss to net cash used in operating activities:
Stock-based compensation		981			1,392
Gain on debt extinguishment		(13	)		(1,245	)
Loss on change in fair value of contingent consideration		174			–
Amortization of debt discount		104			579
Amortization of intangible assets and software		1,470			1,423
Write-off of note receivable		–			26
Changes in operating assets and liabilities:
Accounts receivable		(308	)		(12	)
Prepaid expenses		134			46
Other current assets		(46	)		(1,350	)
Accounts payable		726			1,150
Accrued liabilities		(196	)		(413	)
Deferred revenue		5			(94	)
Right of use asset and liability, net		–			(26	)
Net cash used in operating activities		(4,889	)		(7,457	)
CASH FLOWS FROM INVESTING ACTIVITIES
Capitalized software development		–			(1,081	)
Other assets		55			(78	)
Cash paid for Infinitus Pay, Inc. acquisition		(2,000	)		–
Cash acquired, acquisition of Infinitus Pay, Inc.		61			–
Net cash used in investing activities		(1,884	)		(1,159	)
CASH FLOWS FROM FINANCING ACTIVITIES:
Proceeds from sale of common stock		2,200			6,288
Proceeds from notes payable - related party		2,000			–
Proceeds from notes payable		–			200
Repayments of note payable		(250	)		(205	)
Proceeds from convertible note payable		849			910
Proceeds from equity receivable		1,350			–
Proceeds received from exercise of stock options and warrants		–			1,010
Net cash provided by financing activities		6,149			8,203
Changes in cash and cash equivalents		(624	)		(413	)
Cash and cash equivalents, beginning of year		868			1,281
Cash and cash equivalents, end of year	$	244		$	868
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Cash paid for interest	$	66		$	67
Cash paid for income taxes	$	–		$	–
NON-CASH INVESTING AND FINANCING ACTIVITIES
Goodwill from acquisition	$	1,795		$	–
Intangible assets from acquisition	$	1,709		$	–
Non-cash discount on issuance	$	170		$	–
Assumption of notes payable, through the issuance of note receivable	$	250		$	–
ROU assets and lease liabilities recognized from the new lease	$	–		$	86
Shares issued for debt conversion	$	–		$	1,126
Shares issued for prepaid services	$	–		$	68
Shares issued with notes payable	$	–		$	124
Warrants issued with convertible notes payable	$	–		$	334

Schedule of fair value of consideration transferred
Consideration Transferred	Fair Value ($)
Cash paid at closing		2,000
Common stock issued (5,000,000 shares at $0.16 per share)		800
Warrants issued		365
Contingent consideration		390
Total consideration transferred		3,555

Schedule of pro forma combined financial information
	December 31, 2024
$ in thousands	AppTech Payments Corp.			Infinitus Pay, Inc.		Pro-Forma Combined
Revenues	$	276		$	12	$	288
Net income (loss)	$	(8,933	)	$	5	$	(8,928	)


	December 31, 2025
$ in thousands	AppTech Payments Corp.			Infinitus Pay, Inc.		Pro-Forma Combined
Revenues	$	1,395		$	268	$	1,663
Net income (loss)	$	(7,920	)	$	13	$	(7,907	)

Schedule of contingent consideration liability
$ in thousands	December 31, 2025
Beginning balance	$	–
Contingent consideration at acquisition date		390
Loss on change in fair value of contingent consideration		174
Total contingent consideration	$	564

Schedule of weighted average number of common stock equivalents
	December 31, 2025		December 31, 2024
Series A preferred stock		1,148		1,148
Warrants		28,781,627		15,906,627
Options		5,402,354		5,446,785
Total		34,185,129		21,354,560

	·	Level 1 — Inputs are quoted prices in active markets for identical assets or liabilities that the Company has the ability to access at the measurement date.
	·	Level 2 — Inputs are observable for the asset or liability, either directly or indirectly, but do not include quoted prices for identical instruments in active markets. These inputs may include quoted prices for similar assets or liabilities in active markets, quoted prices in markets that are not active, and other observable inputs such as interest rates and yield curves.
	·	Level 3 — Inputs are unobservable and reflect the Company’s own assumptions about the assumptions that market participants would use in pricing the asset or liability. These inputs are developed based on the best information available in the circumstances.

Schedule of capitalized development cost
Intellectual Property	December 31, 2025			December 31, 2024
Beginning balance	$	3,410		$	4,428
Acquisition of intangible assets		1,709			–
Amortization expenses		(968	)		(1,018	)
Ending balance	$	4,151		$	3,410

Schedule of capitalized development cost
Capitalized Software Development Cost	December 31, 2025			December 31, 2024
Beginning balance	$	1,823		$	1,147
Additions		–			1,081
Amortization expenses		(502	)		(405	)
Ending balance	$	1,321		$	1,823

Schedule of amortization expense
Fiscal Year Ending December 31	Amortization Expense
2026	$	1,661
2027		1,591
2028		1,224
2029		444
2030		230

Schedule of accrued liabilities
	December 31, 2025		December 31, 2024
Payables due to seller for acquisition	$	1,200	$	1,200
Accrued payroll		64		202
Accrued residuals		–		15
Other		57		102
Total accrued liabilities	$	1,321	$	1,519

Schedule of right of use asset
2026	$	18
Minimum Future Lease Payments	$	18
Less: Imputed interest		–
Total Minimum Future Lease Payments	$	18

1)	1,538,332 options were awarded to the former and current board of directors. The fair value of these options, which are non-plan with a ten-year expiration term, total $646 thousand. These options have an exercise price ranging from $0.43 to $1.05 per share and a weighted average fair value of $0.42 per share on the issuance date.

2)	On January 21, 2025, the Company granted 110,000 options to the former CFO with an exercise price of $0.46, a ten-year expiration term, and a fair value on the grant date of $0.47. The Company recognized $52 thousand related to this grant. The options were fully vested upon the grant date. In addition, the options previously issued to the former CFO were extended as part of her separation agreement. The Company recorded the modification expense of $48.

3)	On February 21, 2025, the Company granted 200,000 options to the current CFO with an exercise price of $0.42, a ten-year expiration term, and a fair value on the grant date of $0.41. The Company recognized $85 thousand related to this grant. The options were fully vested upon the grant date.

4)	On June 23, 2025, the Company cancelled all options granted to a former employee and issued him 194,579 options with an exercise price of $1.00, a three-year expiration term, and a fair value on the grant date of $0.17. The Company recognized $33 thousand related to this grant. The options were fully vested upon the grant date.

5)	On July 1, 2025, the Company entered into a separation agreement with its former Chief Executive Officer and Chairman of the Board. Under the terms of the arrangement, all previously issued options were canceled and he was instead granted 700 thousand vested options, and 300 thousand performance-based options. The options have a three-year life and carry an exercise price of $1. The Company recognized $112 thousand related to this grant.

Schedule of option activity
	Number of shares			Weighted Average exercise price		Weighted Average remaining years
Outstanding December 31, 2024		5,446,785		$	1.29		7.15
Issued		3,042,911			0.78
Exercised		–			–
Cancelled		(3,087,342	)		1.60
Outstanding as of December 31, 2025		5,402,354		$	0.83		7.25
Outstanding as of December 31, 2025, vested		3,977,354		$	0.88		7.45

Schedule of fair value assumptions
			December 31, 2025
Market value of common stock on issuance date			$0.24 - $0.47
Exercise price			$0.42 - $1.77
Expected volatility			134% - 185%
Expected term (in years)			0.25 - 10.0
Risk-free interest rate			3.99% - 4.21%
Expected dividend yields			–

			December 31, 2024
Market value of common stock on issuance date			$0.51 - $1.99
Exercise price			$0.59 - $2.11
Expected volatility			102% - 144%
Expected term (in years)			1.0 - 10.0
Risk-free interest rate			3.58% - 5.00%
Expected dividend yields			–

Schedule of warrant activity
	Number of shares		Weighted Average exercise price		Weighted Average remaining years
Outstanding December 31, 2024		15,906,627	$	1.76		4.25
Cancelled		–		–
Exercised		–		–
Issued		12,875,000		1.69
Outstanding as of December 31, 2025		28,781,627	$	1.72		3.86

Schedule of components of income tax expense (benefit)
	2025		2024
Federal	$	–	$	–
State		–		–
Foreign		–		–
Total	$	–	$	–

Schedule of income tax reconciliation
Description	2025 Amount			2025%			2024 Amount			2024%
U.S. federal statutory tax rate (benefit)	$	(1,663	)		21.0	%	$	(1,876	)		21.0	%
State income taxes, net of federal income tax effect (1)		–			–	%		–			–	%
Nondeductible permanent differences		227			(2.9	%)		414			(4.6	%)
Changes in valuation allowance (2)		1,436			(18.1	)%		1,462			(16.4	)%
Effective tax rate	$	–			–	%	$	–			–	%

(1)	In 2025 and 2024, the majority of state and local income taxes, net of federal effect, are attributable to taxes in California.
(2)	The change in valuation allowance related to state and local tax is included in the “State and local tax” line above.

Exhibit Number		Exhibit Title
2.1		Agreement and Plan of Merger dated as of April 18, 2022, by and among AppTech Payments Corp., AppTech IP Corp., and HotHand, Inc., (filed as Exhibit 2.1 to the Registrant’s Current Report on Form 8-K, as filed on April 21, 2022, and incorporated herein by reference)
2.2		Share Purchase Agreement, dated as of December 16, 2024, by and among the Company and AFIOS Partners 6, a limited partnership, (filed as Exhibit 2.1 to the Registrant’s Current Report on Form 8-K/A, as filed on December 17, 2024, and incorporated herein by reference)
2.3		Share Purchase Agreement, dated as of December 16, 2024, by and among the Company and AFIOS Partners 7, a limited partnership, (filed as Exhibit 2.2 to the Registrant’s Current Report on Form 8-K, as filed on December 17, 2024, and incorporated herein by reference)
3.1		AppTech Corp. Articles of Conversion filed October 25, 2006 (filed as Exhibit 3.1 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.2		AppTech Corp. Articles of Incorporation filed October 25, 2006 (filed as Exhibit 3.2 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.3		AppTech Corp. Certificate of Designation filed May 09, 2007 (filed as Exhibit 3.3 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.4		AppTech Corp. Certificate of Correction filed June 04, 2007 (filed as Exhibit 3.4 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.5		AppTech Corp. Certificate of Designation filed June 06, 2007 (filed as Exhibit 3.5 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.6		AppTech Corp. Amendment to Certificate of Designation After Issuance of Class or Series filed November 17, 2008 (filed as Exhibit 3.6 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.7		AppTech Corp. Certificate of Amendment filed October 26, 2009 (filed as Exhibit 3.7 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.8		AppTech Corp. Certificate of Amendment filed October 27, 2009 (filed as Exhibit 3.8 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.9		AppTech Corp. Certificate of Designation filed April 21, 2010 (filed as Exhibit 3.9 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.10		AppTech Corp. Amendment to Certificate of Designation After Issuance of Class or Series filed April 27, 2010 (filed as Exhibit 3.10 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.11		AppTech Corp. Certificate of Change filed July 22, 2010 (filed as Exhibit 3.11 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.12		AppTech Corp. Amendment to Certificate of Designation After Issuance of Class or Series filed October 26, 2010 (filed as Exhibit 3.12 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.13		AppTech Corp. Amendment to Certificate of Designation After Issuance of Class or Series filed October 26, 2010 (filed as Exhibit 3.13 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.14		AppTech Corp. Amendment to Certificate of Designation After Issuance of Class or Series filed October 28, 2010 (filed as Exhibit 3.14 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.15		AppTech Corp. Amendment to Certificate of Designation After Issuance of Class or Series filed April 08, 2011 (filed as Exhibit 3.15 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.16		AppTech Corp. Certificate of Amendment filed June 06, 2011 (filed as Exhibit 3.16 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.17		AppTech Corp. Articles of Domestication filed July 18, 2011 (filed as Exhibit 3.17 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.18		AppTech Corp. Bylaws dated May 07, 2013 (filed as Exhibit 3.18 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.19		AppTech Corp. Certificate of Domestication filed July 09, 2013(filed as Exhibit 3.19 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.20		AppTech Corp. Articles of Amendment filed October 31, 2013 (filed as Exhibit 3.20 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.21		AppTech Corp. Certificate of Incorporation filed July 29, 2015 (filed as Exhibit 3.21 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.22		AppTech Corp. Bylaws (Amended and Restated) dated March 27, 2020 (filed as Exhibit 3.22 to the Registrant’s Annual Report on Form 10-K, as filed on March 30, 2020, and incorporated herein by reference)

3.23		AppTech Certificate of Incorporation filed with the Secretary of State of Delaware dated December 13, 2021 (filed as Exhibit 3.23 to the Registrant’s Registration Statement on Form S-1, as filed on December 15, 2021, and incorporated herein by reference)

3.24		AppTech Certificate of Correction filed with the Secretary of State of Delaware dated December 23, 2021 (filed as Exhibit 3.24 to the Registrant’s Registration Statement on Form S-1, as filed on December 23, 2021, and incorporated herein by reference)

3.25		AppTech Certificate of Conversion filed with the Secretary of State of Delaware dated December 23, 2021 (filed as Exhibit 3.25 to the Registrant’s Registration Statement on Form S-1, as filed on December 23, 2021, and incorporated herein by reference)

3.26		AppTech Certificate of Correction filed with the Secretary of State of Delaware dated December 23, 2021 (filed as Exhibit 3.26 to the Registrant’s Registration Statement on Form S-1, as filed on January 3, 2022, and incorporated herein by reference)

3.27		AppTech Certificate of Amendment filed with the Secretary of State of Delaware dated December 27, 2021 (filed as Exhibit 3.27 to the Registrant’s Registration Statement on Form S-1, as filed on January 3, 2022, and incorporated herein by reference)