AppTech Payments director trust buys 60K shares

AppTech Payments Corp. (APCX) director Lord Albert L reported three open-market purchases of common stock made on behalf of the Suzanne D. Lord 2025 Spousal Estate Reduction Trust, an indirect ownership vehicle.

Rhea-AI Filing Summary

AppTech Payments Corp. (APCX) director Lord Albert L reported three open-market purchases of common stock made on behalf of the Suzanne D. Lord 2025 Spousal Estate Reduction Trust, an indirect ownership vehicle. The trust bought 20,000 shares on each of August 24, 25, and 26, 2026, at weighted average prices of $0.3576, $0.3524, and $0.3595 per share, respectively, with each day’s trades executed across narrow intraday price ranges described in the footnotes.

Insider Trade Summary

Net Buyer: 60,000 shares

Net Buy 3 txns

Insider LORD ALBERT L

Role Director

Bought 60,000 shs ($21K)

Type	Security	Shares	Price	Value
Purchase	Common Stock F3	20,000	$0.3595	$7K
Purchase	Common Stock F2	20,000	$0.3524	$7K
Purchase	Common Stock F1	20,000	$0.3576	$7K

Holdings After Transaction: Common Stock — 1,340,000 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 $0.355 to $0.365, 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 $0.345 to $0.355, 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 $0.33 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 3 to this Form 4.

Key Figures

Shares purchased August 24, 2026: 20,000 shares of Common Stock Weighted average price August 24, 2026: $0.3576 per share Shares purchased August 25, 2026: 20,000 shares of Common Stock +4 more

7 metrics

Shares purchased August 24, 2026 20,000 shares of Common Stock Open-market purchase at weighted average price

Weighted average price August 24, 2026 $0.3576 per share Based on multiple trades between $0.355 and $0.365, inclusive

Shares purchased August 25, 2026 20,000 shares of Common Stock Open-market purchase at weighted average price

Weighted average price August 25, 2026 $0.3524 per share Based on multiple trades between $0.345 and $0.355, inclusive

Shares purchased August 26, 2026 20,000 shares of Common Stock Open-market purchase at weighted average price

Weighted average price August 26, 2026 $0.3595 per share Based on multiple trades between $0.33 and $0.37, inclusive

Total shares bought across all transactions 60,000 shares of Common Stock Sum of three 20,000-share purchases on August 24–26, 2026

Key Terms

weighted average price, indirect ownership, 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 ownership financial

"ownership_type" : "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""

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transactions did APCX report in this Form 4?

The filing reports that a trust associated with director Lord Albert L purchased 60,000 shares of AppTech Payments Corp. common stock across three days, in three blocks of 20,000 shares each on August 24, 25, and 26, 2026, in open-market transactions.

At what prices were the APCX shares purchased in this Form 4?

The reported weighted average purchase prices were $0.3576 per share on August 24, $0.3524 on August 25, and $0.3595 on August 26, 2026. Footnotes state these averages reflect multiple trades within daily ranges from $0.33–$0.37, $0.345–$0.355, and $0.355–$0.365, respectively.

Who is the reporting person in this APCX Form 4 and what is their role?

The reporting person is Lord Albert L, identified as a director of AppTech Payments Corp. The reported transactions are attributed to an entity associated with him, the Suzanne D. Lord 2025 Spousal Estate Reduction Trust, which holds the shares as indirect ownership.

How many APCX shares did the trust associated with the director buy in total?

According to the Form 4 data, the Suzanne D. Lord 2025 Spousal Estate Reduction Trust bought a total of 60,000 shares of AppTech Payments Corp. common stock, consisting of three separate purchases of 20,000 shares each on consecutive trading days.

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

The filing’s Rule 10b5-1 checkbox is not marked as affirming a plan, and the footnotes do not state that the transactions were made pursuant to a Rule 10b5-1 or similar pre-arranged trading plan.

What type of ownership is reported for these APCX shares?

The Form 4 classifies the holdings as indirect ownership, with the nature of ownership described as the Suzanne D. Lord 2025 Spousal Estate Reduction Trust, indicating that the trust, rather than the director personally, holds the reported shares.

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

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Available on EDGAR 08/26/2026 - 05:16 PM Accepted by SEC EDGAR 08/26/2026 - 05:15 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)
08/24/2026

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	08/24/2026		P		20,000	A	$0.3576(1)	1,300,000	I	Suzanne D. Lord 2025 Spousal Estate Reduction Trust
Common Stock	08/25/2026		P		20,000	A	$0.3524(2)	1,320,000	I	Suzanne D. Lord 2025 Spousal Estate Reduction Trust
Common Stock	08/26/2026		P		20,000	A	$0.3595(3)	1,340,000	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 $0.355 to $0.365, 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 $0.345 to $0.355, 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 $0.33 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 3 to this Form 4.

	/s/ Albert L. Lord	08/26/2026
	** 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)