Spousal trust of AppTech (NASDAQ: APCX) director adds 1M shares plus 2.5M warrants

Rhea-AI Filing Summary

A trust associated with AppTech Payments Corp. director Albert L. Lord reported significant new positions in the company. The Suzanne D. Lord 2025 Spousal Estate Reduction Trust purchased 1,000,000 shares of common stock in an open-market transaction at $1.00 per share, and now holds 1,000,000 shares after the trade.

The same trust also received Firm Warrant 6 to acquire 1,000,000 common shares at an exercise price of $0.90 and Firm Warrant 7 to acquire 1,500,000 common shares at an exercise price of $1.20, both expiring on December 30, 2029. According to the footnote, Mr. Lord’s spouse has voting and dispositive control over the trust, and Mr. Lord disclaims beneficial ownership except for any pecuniary interest.

Insights

Equity ownership and governance analyst

Trust linked to an AppTech director made a sizeable share purchase plus warrant grants, but control is held by the director’s spouse.

The filing shows the Suzanne D. Lord 2025 Spousal Estate Reduction Trust buying 1,000,000 AppTech common shares at $1.00 each, alongside awards of warrants over an additional 2,500,000 shares at exercise prices of $0.90 and $1.20 through December 30, 2029.

The transaction combines an open-market purchase, which reflects cash committed at the current price, with warrant grants tied to investments in the company. A footnote clarifies that voting and dispositive power rests with Mr. Lord’s spouse and that he disclaims beneficial ownership beyond his pecuniary interest, so these are indirect holdings associated with, but not controlled by, the director.

Insider Trade Summary

Net Buyer: 1,000,000 shares ($1,000,000)

Net Buy 3 txns

Insider LORD ALBERT L

Role null

Bought 1,000,000 shs ($1.00M)

Type	Security	Shares	Price	Value
Grant/Award	Firm Warrant 6	1,000,000	$0.00	--
Grant/Award	Firm Warrant 7	1,500,000	$0.00	--
Purchase	Common Stock	1,000,000	$1.00	$1.00M

Holdings After Transaction: Firm Warrant 6 — 1,000,000 shares (Indirect, Suzanne D. Lord 2025 Spousal Estate Reduction Trust); Firm Warrant 7 — 1,500,000 shares (Indirect, Suzanne D. Lord 2025 Spousal Estate Reduction Trust); Common Stock — 1,000,000 shares (Indirect, Suzanne D. Lord 2025 Spousal Estate Reduction Trust)

Footnotes (1)

1. The Reporting Person's spouse has voting and dispositive control of Suzanne D Lord 2025 Spousal Estate Reduction Trust. Mr. Lord disclaims beneficial ownership of such shares and warrants except to the extent of his pecuniary interest therein. Warrants were issued in conjunction with direct investments in the Company, where each $1.00 investment resulted in the issuance of one share of common stock, one warrant exercisable at $0.90, and 150% additional warrant coverage exercisable at $1.20.

Key Figures

Open-market purchase: 1,000,000 shares at $1.00 Shares after purchase: 1,000,000 shares Firm Warrant 6: 1,000,000 shares at $0.90 +2 more

5 metrics

Open-market purchase 1,000,000 shares at $1.00 Common stock bought by spousal trust

Shares after purchase 1,000,000 shares Common stock held by trust following transaction

Firm Warrant 6 1,000,000 shares at $0.90 Warrant exercisable into common stock, expires Dec 30, 2029

Firm Warrant 7 1,500,000 shares at $1.20 Warrant exercisable into common stock, expires Dec 30, 2029

Total warrant coverage 2,500,000 shares Combined underlying shares from Firm Warrant 6 and 7

Key Terms

open-market purchase, Firm Warrant 6, Firm Warrant 7, Spousal Estate Reduction Trust, +1 more

5 terms

open-market purchase financial

"reported 1,000,000 shares of common stock in an open-market transaction at $1.00 per share"

An open-market purchase is when an investor or a company buys shares on a public stock exchange at the going market price, rather than through a private deal. It matters to investors because these purchases change how many shares are available, can push the stock price up or signal confidence from large buyers, and often affect per-share metrics like earnings—think of it like someone buying lots of apples off a grocery shelf, reducing supply and potentially raising the price.

Firm Warrant 6 financial

"received Firm Warrant 6 to acquire 1,000,000 common shares at an exercise price of $0.90"

Firm Warrant 7 financial

"and Firm Warrant 7 to acquire 1,500,000 common shares at an exercise price of $1.20"

Spousal Estate Reduction Trust financial

"Suzanne D. Lord 2025 Spousal Estate Reduction Trust purchased 1,000,000 shares"

pecuniary interest financial

"Mr. Lord disclaims beneficial ownership except to the extent of his pecuniary interest"

See more from StockTitan in Google Search and AI answers. Adds StockTitan as a preferred source · opens Google

Add on Google Not now

Form 4 Insider Transactions: What Each Field Means →

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

X

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)
10/31/2025

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	10/31/2025		P		1,000,000	A	$1	1,000,000	I	Suzanne D. Lord 2025 Spousal Estate Reduction Trust(1)

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
Firm Warrant 6	$0.9(2)	10/31/2025		A		1,000,000		10/31/2025	12/30/2029	Common Stock	1,000,000	$0.00	1,000,000	I	Suzanne D. Lord 2025 Spousal Estate Reduction Trust
Firm Warrant 7	$1.2(2)	10/31/2025		A		1,500,000		10/31/2025	12/30/2029	Common Stock	1,500,000	$0.00	1,500,000	I	Suzanne D. Lord 2025 Spousal Estate Reduction Trust

Explanation of Responses:

1. The Reporting Person's spouse has voting and dispositive control of Suzanne D Lord 2025 Spousal Estate Reduction Trust. Mr. Lord disclaims beneficial ownership of such shares and warrants except to the extent of his pecuniary interest therein.

2. Warrants were issued in conjunction with direct investments in the Company, where each $1.00 investment resulted in the issuance of one share of common stock, one warrant exercisable at $0.90, and 150% additional warrant coverage exercisable at $1.20.

	/s/ Albert L. Lord	05/22/2026
	** 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)

FAQ

What did the trust associated with APCX director Albert L. Lord buy?

A trust associated with director Albert L. Lord bought 1,000,000 AppTech Payments common shares at $1.00 per share. The purchase was reported as an open-market transaction and leaves the trust holding 1,000,000 common shares following the trade.

What warrants did the trust linked to APCX’s director receive?

The Suzanne D. Lord 2025 Spousal Estate Reduction Trust received Firm Warrant 6 for 1,000,000 shares at a $0.90 exercise price and Firm Warrant 7 for 1,500,000 shares at a $1.20 exercise price, both expiring on December 30, 2029.

How many AppTech Payments shares and warrants does the trust now hold?

After these transactions, the trust holds 1,000,000 AppTech Payments common shares and warrants exercisable for an additional 2,500,000 common shares. These positions are reported as indirect holdings associated with director Albert L. Lord through the spousal trust.

Who controls the APCX shares held by the Suzanne D. Lord 2025 Spousal Estate Reduction Trust?

According to the filing, Albert L. Lord’s spouse has voting and dispositive control over the Suzanne D. Lord 2025 Spousal Estate Reduction Trust. Mr. Lord disclaims beneficial ownership of the shares and warrants except to the extent of his pecuniary interest.

How were the warrants to buy APCX stock issued to the Lord spousal trust?

The filing states the warrants were issued in conjunction with direct investments in AppTech Payments. For each $1.00 invested, the investor received one common share, one warrant exercisable at $0.90, and additional 150% warrant coverage exercisable at $1.20 per share.

Are the APCX transactions reported by Albert L. Lord direct or indirect holdings?

The transactions are reported as indirect holdings through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust. The filing classifies ownership as indirect and explains that Mr. Lord’s spouse controls the trust’s voting and dispositive decisions.