AppTech director buys 60,000 shares via trust

AppTech Payments Corp. (APCX) director Lord Albert L reported three open-market purchases of Common Stock made through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust.

Rhea-AI Filing Summary

AppTech Payments Corp. (APCX) director Lord Albert L reported three open-market purchases of Common Stock made through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust. The trust bought 20,000 shares on each of August 18, 19, and 20, 2026 at weighted average prices of $0.3541, $0.3674, and $0.3624 per share, respectively, in multiple trades within stated price ranges.

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	$0.3624	$7K
Purchase	Common Stock F2	20,000	$0.3674	$7K
Purchase	Common Stock F1	20,000	$0.3541	$7K

Holdings After Transaction: Common Stock — 1,280,000 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 $0.345 to $0.36, 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 $0.355 to $0.37, 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 $0.355 to $0.38, 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

Shares purchased August 18, 2026: 20,000 shares Weighted average price August 18, 2026: $0.3541 per share Shares purchased August 19, 2026: 20,000 shares +4 more

7 metrics

Shares purchased August 18, 2026 20,000 shares Common Stock bought indirectly by trust at weighted average price

Weighted average price August 18, 2026 $0.3541 per share Purchased in multiple transactions from $0.345 to $0.36

Shares purchased August 19, 2026 20,000 shares Common Stock bought indirectly by trust at weighted average price

Weighted average price August 19, 2026 $0.3674 per share Purchased in multiple transactions from $0.355 to $0.37

Shares purchased August 20, 2026 20,000 shares Common Stock bought indirectly by trust at weighted average price

Weighted average price August 20, 2026 $0.3624 per share Purchased in multiple transactions from $0.355 to $0.38

Total shares bought in reported period 60,000 shares Net buy across three open-market purchases by trust

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

"ownership_type is indirect through the named trust entity."

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 activity did APCX disclose in this Form 4?

The filing reports that director Lord Albert L, through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust, purchased a total of 60,000 shares of AppTech Payments Corp. Common Stock over three days in August 2026 in open-market transactions at weighted average prices.

How many APCX shares were bought on each reported date?

The trust purchased 20,000 APCX shares on each of August 18, 19, and 20, 2026, for a total of 60,000 shares across the three reported transactions.

What were the purchase prices for the APCX insider trades?

The reported prices are weighted averages: $0.3541 on August 18 (range $0.345–$0.36), $0.3674 on August 19 (range $0.355–$0.37), and $0.3624 on August 20 (range $0.355–$0.38), with multiple trades within each range.

Were the APCX shares held directly by Lord Albert L?

No. The Form 4 shows the Common Stock is held indirectly through the Suzanne D. Lord 2025 Spousal Estate Reduction Trust, which is identified as the nature of ownership for each of the reported transactions.

Does this APCX Form 4 state that trades were under a Rule 10b5-1 plan?

The document-level indicator for Rule 10b5-1 trading plans is marked false, and the footnotes do not state that these purchases were made pursuant to any Rule 10b5-1 or pre-arranged trading plan.

How many APCX shares in total did the insider-related trust buy in this filing?

According to the transaction summary, the Suzanne D. Lord 2025 Spousal Estate Reduction Trust bought a net total of 60,000 shares of AppTech Payments Corp. Common Stock across the three reported open-market purchase transactions.

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

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Available on EDGAR 08/20/2026 - 04:56 PM Accepted by SEC EDGAR 08/20/2026 - 04:55 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

(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)
08/18/2026

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	08/18/2026		P		20,000	A	$0.3541(1)	1,240,000	I	Suzanne D. Lord 2025 Spousal Estate Reduction Trust
Common Stock	08/19/2026		P		20,000	A	$0.3674(2)	1,260,000	I	Suzanne D. Lord 2025 Spousal Estate Reduction Trust
Common Stock	08/20/2026		P		20,000	A	$0.3624(3)	1,280,000	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 $0.345 to $0.36, 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 $0.355 to $0.37, 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 $0.355 to $0.38, 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	08/20/2026
	** 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)