AppTech Payments Corp. (APCX) director-linked trust acquires 40,000 common shares

Rhea-AI Filing Summary

AppTech Payments Corp. director Albert L. Lord reported two indirect purchases of common stock through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust. The trust acquired a total of 40,000 shares in open-market or private transactions on July 31 and August 3, 2026, including weighted-average purchases priced between $0.2750 and $0.2991 per share.

Insider Trade Summary

Net Buyer: 40,000 shares

Net Buy 2 txns

Insider LORD ALBERT L

Role Director

Bought 40,000 shs ($115.90M)

Type	Security	Shares	Price	Value
Purchase	Common Stock	20,000	$2,900.00	$58.00M
Purchase	Common Stock F1	20,000	$2,895.00	$57.90M

Holdings After Transaction: Common Stock — 1,040,000 shares (Indirect, Suzanne D. Lord 2025 Spousal Estate Reduction Trust)

Footnotes (1)

1. F1. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $0.2750 to $0.2991, 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.

Key Figures

Total shares purchased: 40000 shares Shares purchased on 2026-08-03: 20000 shares Shares purchased on 2026-07-31: 20000 shares +3 more

6 metrics

Total shares purchased 40000 shares Aggregate non-derivative common stock purchases reported in this Form 4

Shares purchased on 2026-08-03 20000 shares Indirect open-market or private purchase of common stock

Shares purchased on 2026-07-31 20000 shares Indirect open-market or private purchase of common stock, weighted-average priced

Price range for weighted-average trade $0.2750 to $0.2991 per share July 31, 2026 purchase executed in multiple trades within this range

Number of buy transactions 2 transactions Both reported transactions are non-derivative purchases of common stock

Net buy/sell shares 40000 shares Net effect of all reported transactions is a net buy position

Key Terms

weighted average price, indirect, Spousal Estate Reduction Trust, open market or private transaction

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 financial

"The Form 4 lists the ownership type as indirect."

Spousal Estate Reduction Trust financial

"nature_of_ownership: Suzanne D. Lord 2025 Spousal Estate Reduction Trust"

open market or private transaction financial

"transaction_code_description: Purchase in open market or private transaction"

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

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Form 4 Insider Transactions: What Each Field Means →

Available on EDGAR 08/04/2026 - 04:16 PM Accepted by SEC EDGAR 08/04/2026 - 04:15 PM Learn about SEC filing dates

FAQ

What insider transaction did APCX director Albert L. Lord report?

Director Albert L. Lord reported that a spousal estate reduction trust associated with him purchased 40,000 shares of AppTech Payments common stock in two open-market or private transactions on July 31 and August 3, 2026, according to the Form 4 filing.

How many AppTech Payments (APCX) shares were bought in each transaction?

The trust associated with Albert L. Lord bought 20,000 shares of AppTech Payments common stock on July 31, 2026 and another 20,000 shares on August 3, 2026, for a combined total of 40,000 shares acquired indirectly.

At what price range were APCX shares purchased in the reported Form 4?

For the July 31, 2026 purchase, the Form 4 notes a weighted average price, with trades executed between $0.2750 and $0.2991 per share. The reporting person has undertaken to provide full price breakdowns upon request.

Who actually holds the APCX shares bought in this insider transaction?

The purchased AppTech Payments shares are held indirectly through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust. The Form 4 lists the ownership type as indirect, reflecting that the trust, rather than Albert L. Lord personally, is the registered holder.

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

The Form 4’s Rule 10b5-1 checkbox is not marked as affirmatively used, and the price-related footnote only describes a weighted average price and trade range; it does not reference any Rule 10b5-1 trading plan.

Does the Form 4 for APCX report any insider sales or only purchases?

The Form 4 for AppTech Payments reports only purchase transactions, with two non-derivative acquisitions totaling 40,000 shares. The transaction summary shows no reported sales, exercises, gifts, or other types of dispositions in this filing.

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.

5876 OWENS AVE., SUITE 100

(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)
07/31/2026

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	07/31/2026		P		20,000	A	$2,895(1)	1,020,000	I	Suzanne D. Lord 2025 Spousal Estate Reduction Trust
Common Stock	08/03/2026		P		20,000	A	$2,900	1,040,000	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 $0.2750 to $0.2991, 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.

	/s/ Albert L. Lord	08/04/2026
	** 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)