AppTech director buys 60,000 shares in trust

AppTech Payments Corp. director Albert L. Lord reported three open-market purchases of Common Stock, all held indirectly through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust.

Rhea-AI Filing Summary

AppTech Payments Corp. director Albert L. Lord reported three open-market purchases of Common Stock, all held indirectly through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust. The trust bought 20,000 shares on each of August 13, 14, and 17, 2026 at weighted average prices around $0.38–$0.39 per share, totaling 60,000 shares acquired.

Insider Trade Summary

Net Buyer: 60,000 shares

Net Buy 3 txns

Insider LORD ALBERT L

Role Director

Bought 60,000 shs ($23K)

Type	Security	Shares	Price	Value
Purchase	Common Stock F2	20,000	$0.3911	$8K
Purchase	Common Stock F1	20,000	$0.3899	$8K
Purchase	Common Stock	20,000	$0.38	$8K

Holdings After Transaction: Common Stock — 1,220,000 shares (Indirect, Suzanne D. Lord 2025 Spousal Estate Reduction Trust)

Footnotes (2)

1. F1. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $0.3800 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 $0.3900 to $0.3950, 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.

Key Figures

Shares purchased 2026-08-13: 20000 shares Price 2026-08-13: $0.3800 per share Shares purchased 2026-08-14: 20000 shares +4 more

7 metrics

Shares purchased 2026-08-13 20000 shares Common Stock purchased indirectly through Suzanne D. Lord 2025 Spousal Estate Reduction Trust

Price 2026-08-13 $0.3800 per share Reported per-share price for 20,000 Common Stock shares

Shares purchased 2026-08-14 20000 shares Common Stock purchased indirectly; price is weighted average

Weighted average price range 2026-08-14 $0.3800–$0.3900 per share Multiple transactions; weighted average price reported in Column 4

Shares purchased 2026-08-17 20000 shares Common Stock purchased indirectly; price is weighted average

Weighted average price range 2026-08-17 $0.3900–$0.3950 per share Multiple transactions; weighted average price reported in Column 4

Total shares purchased 60000 shares Net common shares bought across three transactions, net-buy direction

Key Terms

weighted average price, indirect, Spousal Estate Reduction Trust

3 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

"direct_or_indirect: "I", ownership_type: "indirect" for the trust-held shares"

Spousal Estate Reduction Trust financial

"nature_of_ownership: "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 on this Form 4?

Albert L. Lord reported three purchases totaling 60,000 shares of AppTech Payments Corp. common stock. The transactions occurred on August 13, 14, and 17, 2026, and are held indirectly through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust.

At what prices were the APCX shares purchased in Albert L. Lord’s recent Form 4?

The reported weighted average purchase prices were $0.3800, $0.3899, and $0.3911 per share. Footnotes state these are weighted averages across multiple trades in ranges between $0.3800 and $0.3950 per share.

How many APCX shares did the Suzanne D. Lord 2025 Spousal Estate Reduction Trust buy?

The Suzanne D. Lord 2025 Spousal Estate Reduction Trust purchased 60,000 shares of AppTech Payments Corp. common stock. These were acquired in three separate 20,000-share purchases on August 13, 14, and 17, 2026, as reported on the Form 4.

Are Albert L. Lord’s APCX purchases direct or indirect holdings?

The reported purchases are indirect holdings through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust. Each transaction is coded as "I" (indirect) with the trust identified as the nature of ownership for the common stock acquired.

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

The footnotes explain that reported prices are weighted average prices for multiple trades within specified ranges. For example, shares on August 14 traded between $0.3800 and $0.3900, and the reporting person will provide detailed per-trade prices upon request.

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

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Available on EDGAR 08/17/2026 - 04:59 PM Accepted by SEC EDGAR 08/17/2026 - 04:59 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)
08/13/2026

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	08/13/2026		P		20,000	A	$0.38	1,180,000	I	Suzanne D. Lord 2025 Spousal Estate Reduction Trust
Common Stock	08/14/2026		P		20,000	A	$0.3899(1)	1,200,000	I	Suzanne D. Lord 2025 Spousal Estate Reduction Trust
Common Stock	08/17/2026		P		20,000	A	$0.3911(2)	1,220,000	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 $0.3800 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 $0.3900 to $0.3950, 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.

	/s/ Albert L. Lord	08/17/2026
	** 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)