AppTech director buys 60,000 shares via trust

Rhea-AI Filing Summary

AppTech Payments Corp. director Albert L. Lord, through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust, reported three open-market purchases of AppTech common stock on August 10–12, 2026 totaling 60,000 shares at weighted average prices between $0.3600 and $0.3900 per share, reported as indirect ownership. The Rule 10b5-1 trading-plan checkbox was not marked as applicable.

Insider Trade Summary

Net Buyer: 60,000 shares

Net Buy 3 txns

Insider LORD ALBERT L

Role Director

Bought 60,000 shs ($22K)

Type	Security	Shares	Price	Value
Purchase	Common Stock F3	20,000	$0.3721	$7K
Purchase	Common Stock F2	20,000	$0.3607	$7K
Purchase	Common Stock F1	20,000	$0.3749	$7K

Holdings After Transaction: Common Stock — 1,160,000 shares (Indirect, Suzanne D. Lord 2025 Spousal Estate Reduction Trust)

Footnotes (3)

1. F1. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $0.3650 to $0.3900, inclusive. The reporting person undertakes to provide to AppTech Payments Corp., any security holder of AppTech Payments Corp., or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares purchased at each separate price within the ranges set forth in this footnote 1 to this Form 4.
2. F2. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $0.3600 to $0.3630, inclusive. The reporting person undertakes to provide to AppTech Payments Corp., any security holder of AppTech Payments Corp., or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares purchased at each separate price within the ranges set forth in this footnote 2 to this Form 4.
3. F3. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $0.3600 to $0.3800, inclusive. The reporting person undertakes to provide to AppTech Payments Corp., any security holder of AppTech Payments Corp., or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares purchased at each separate price within the ranges set forth in this footnote 3 to this Form 4.

Key Figures

Total shares purchased: 60,000 shares Shares purchased per transaction: 20,000 shares Weighted average price 2026-08-10: $0.3749 per share +5 more

8 metrics

Total shares purchased 60,000 shares Aggregate of three open-market purchases reported in this Form 4

Shares purchased per transaction 20,000 shares Each of the three transactions on August 10–12, 2026

Weighted average price 2026-08-10 $0.3749 per share Common stock purchase by spousal trust on August 10, 2026

Weighted average price 2026-08-11 $0.3607 per share Common stock purchase by spousal trust on August 11, 2026

Weighted average price 2026-08-12 $0.3721 per share Common stock purchase by spousal trust on August 12, 2026

Price range for F1 transaction $0.3650–$0.3900 per share Range of individual trade prices for August 10, 2026 purchase

Price range for F2 transaction $0.3600–$0.3630 per share Range of individual trade prices for August 11, 2026 purchase

Price range for F3 transaction $0.3600–$0.3800 per share Range of individual trade prices for August 12, 2026 purchase

Key Terms

weighted average price, indirect ownership, Rule 10b5-1, Spousal Estate Reduction Trust

4 terms

weighted average price financial

"The price reported in Column 4 is a weighted average price."

Weighted average price is the average price of a security where each trade or component is counted according to its size, so bigger trades pull the average more than smaller ones. Think of it like calculating the average cost of a grocery haul where items you bought more of have greater influence on the final per-item cost. Investors use it to understand the true average price paid or received, judge execution quality, and compare trading performance against market movement.

indirect ownership financial

"Ownership is reported as indirect through a spousal estate reduction trust."

Rule 10b5-1 regulatory

"The filing includes a Rule 10b5-1 trading-plan checkbox."

Rule 10b5-1 is a regulation that allows company insiders to buy or sell their shares at predetermined times, even if they have access to non-public information. It acts like setting a schedule in advance for transactions, helping prevent accusations of unfair trading. This rule provides a way for insiders to plan trades transparently, giving investors confidence that these transactions are not based on hidden information.

Spousal Estate Reduction Trust financial

"Nature of ownership is the Suzanne D. Lord 2025 Spousal Estate Reduction Trust."

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transactions did APCX director Albert L. Lord report in this Form 4?

Albert L. Lord reported three open-market purchases totaling 60,000 common shares of AppTech Payments Corp. These trades occurred on August 10, 11, and 12, 2026 at weighted average prices between roughly $0.36 and $0.39 per share.

At what prices were the APCX shares purchased in this Form 4 filing?

The purchases were reported at weighted average prices of $0.3749, $0.3607, and $0.3721 per share. Footnotes state each price reflects multiple transactions with individual trade prices ranging from $0.3600 to $0.3900 per share.

How many APCX shares were bought on each date in this Form 4?

The trust associated with Albert L. Lord bought 20,000 shares of AppTech common stock on each of August 10, August 11, and August 12, 2026. In total, these transactions represent 60,000 shares purchased on the open market or in private transactions.

Are Albert L. Lord’s APCX purchases held directly or indirectly?

The reported 60,000 AppTech shares are held indirectly through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust. The Form 4 classifies ownership as indirect (I), with the trust named as the nature of ownership for each transaction.

Were these APCX insider purchases made under a Rule 10b5-1 trading plan?

The filing’s Rule 10b5-1 checkbox is not marked as affirmatively adopted, and no footnote references a trading plan. Based on the document’s fields, the transactions are not reported as executed under a Rule 10b5-1 trading plan.

What do the weighted average price footnotes mean in this APCX Form 4?

Each line’s per-share price is a weighted average for multiple trades. Footnotes explain that the shares were bought in numerous transactions within specified price ranges and that detailed trade-by-trade data is available upon request from the reporting person.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Form 4 Insider Transactions: What Each Field Means →

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Available on EDGAR 08/12/2026 - 07:07 PM Accepted by SEC EDGAR 08/12/2026 - 07:07 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

LORD ALBERT L

(Last) (First) (Middle)

C/O APPTECH PAYMENTS CORP.

5050 AVENIDA ENCINAS, SUITE 120

(Street)

CARLSBAD CALIFORNIA 92008

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
AppTech Payments Corp. [ APCX ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
08/10/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	08/10/2026		P		20,000	A	$0.3749(1)	1,120,000	I	Suzanne D. Lord 2025 Spousal Estate Reduction Trust
Common Stock	08/11/2026		P		20,000	A	$0.3607(2)	1,140,000	I	Suzanne D. Lord 2025 Spousal Estate Reduction Trust
Common Stock	08/12/2026		P		20,000	A	$0.3721(3)	1,160,000	I	Suzanne D. Lord 2025 Spousal Estate Reduction Trust

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $0.3650 to $0.3900, inclusive. The reporting person undertakes to provide to AppTech Payments Corp., any security holder of AppTech Payments Corp., or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares purchased at each separate price within the ranges set forth in this footnote 1 to this Form 4.

2. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $0.3600 to $0.3630, inclusive. The reporting person undertakes to provide to AppTech Payments Corp., any security holder of AppTech Payments Corp., or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares purchased at each separate price within the ranges set forth in this footnote 2 to this Form 4.

3. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $0.3600 to $0.3800, inclusive. The reporting person undertakes to provide to AppTech Payments Corp., any security holder of AppTech Payments Corp., or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares purchased at each separate price within the ranges set forth in this footnote 3 to this Form 4.

	/s/ Albert L. Lord	08/12/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)