AppTech Payments Corp. (APCX) director reports 120,000-share insider purchase at ~$0.44

Rhea-AI Filing Summary

AppTech Payments Corp. director reported open-market purchases of common stock over three consecutive days. On December 2, 2025, the director bought 40,000 shares at a weighted average price of $0.4386. On December 3, 2025, another 40,000 shares were purchased at a weighted average price of $0.4232, followed by a further 40,000 shares on December 4, 2025 at a weighted average price of $0.4415. After these transactions, the director beneficially owned 3,016,194 shares of AppTech Payments Corp. common stock, held directly.

Insider Trade Summary

Net Buyer: 120,000 shares ($52,132)

Net Buy 3 txns

Insider LORD ALBERT L

Role Director

Bought 120,000 shs ($52K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	40,000	$0.4415	$18K
Purchase	Common Stock	40,000	$0.4232	$17K
Purchase	Common Stock	40,000	$0.4386	$18K

Holdings After Transaction: Common Stock — 3,016,194 shares (Direct)

Footnotes (1)

1. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $0.4300 to $0.4450, 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 footnotes (1), (2) and (3) to this Form 4. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $0.4150 to $0.4300, inclusive. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $0.4300 to $0.4500, inclusive.

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

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)

5876 OWENS AVE., SUITE 100

(Street)

CARLSBAD CA 92008

(City) (State) (Zip)

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)

3. Date of Earliest Transaction (Month/Day/Year)
12/02/2025

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

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

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

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	12/02/2025		P		40,000	A	$0.4386(1)	2,936,194	D
Common Stock	12/03/2025		P		40,000	A	$0.4232(2)	2,976,194	D
Common Stock	12/04/2025		P		40,000	A	$0.4415(3)	3,016,194	D

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 $0.4300 to $0.4450, 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 footnotes (1), (2) and (3) 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 $0.4150 to $0.4300, inclusive.

3. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $0.4300 to $0.4500, inclusive.

	/s/ Albert L. Lord	12/04/2025
	** 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.

FAQ

What insider transaction did AppTech Payments Corp. (APCX) disclose?

A director of AppTech Payments Corp. reported purchasing a total of 120,000 shares of common stock over three days in early December 2025.

On what dates did the APCX director buy shares and at what weighted average prices?

The director bought 40,000 shares on December 2, 2025 at $0.4386, 40,000 shares on December 3, 2025 at $0.4232, and 40,000 shares on December 4, 2025 at $0.4415, each as weighted average prices.

How many AppTech Payments Corp. (APCX) shares does the reporting person own after these trades?

Following the reported transactions, the director beneficially owned 3,016,194 shares of AppTech Payments Corp. common stock, held directly.

Were the APCX insider purchases made in multiple trades within price ranges?

Yes. Each reported weighted average price reflects multiple transactions. For example, on December 2, 2025, trades occurred between $0.4300 and $0.4450, with similar defined ranges for the other two days.

What does a Form 4 filing mean for AppTech Payments Corp. (APCX) investors?

A Form 4 shows that an insider, such as a director, has bought or sold company stock. In this case, it discloses open-market purchases of AppTech Payments Corp. common shares.