AppTech Payments Corp. (APCX): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el panorama de tecnología financiera en rápida evolución, AppTech Payments Corp. (APCX) surge como una fuerza dinámica, transformando soluciones de pago móvil con su innovador modelo comercial. Al combinar estratégicamente la tecnología de vanguardia, las asociaciones sólidas y las ofertas de servicios integrales, la compañía se ha posicionado como un jugador que cambia el juego en el ecosistema de pagos digitales. Este lienzo de modelo de negocio presenta el intrincado marco que impulsa la misión de AppTech para simplificar, asegurar y racionalizar las transacciones financieras en diversos sectores de la industria, prometiendo una narrativa convincente de la interrupción tecnológica y la innovación estratégica.

AppTech Payments Corp. (APCX) - Modelo de negocio: asociaciones clave

Alianzas estratégicas con plataformas de tecnología financiera

AppTech Payments Corp. mantiene asociaciones estratégicas con las siguientes plataformas de tecnología financiera:

Plataforma	Detalles de la asociación	Año establecido
Raya	Servicios de integración de pagos	2022
Cuadrado	Soluciones de pago móvil	2021

Viernes de pago y proveedores de servicios comerciales

Las asociaciones clave del servicio comercial incluyen:

• Paypal
• Autorize.net
• Page del Mundo

Instituciones bancarias y financieras

AppTech colabora con múltiples instituciones financieras:

Institución	Alcance de la asociación	Volumen de transacción
Wells Fargo	Procesamiento de pagos	$ 127 millones anuales
Chase Bank	Servicios comerciales	$ 98 millones anuales

Socios de integración de tecnología

La red de integración tecnológica de AppTech incluye:

• Salesforce
• Oráculo
• SAVIA

Colaboradores de desarrollo de aplicaciones móviles

Asociaciones de desarrollo móvil:

Pareja	Tipo de colaboración	Proyectos completados
Acentuar	Soluciones móviles empresariales	12 proyectos
IBM	Desarrollo móvil basado en la nube	8 proyectos

AppTech Payments Corp. (APCX) - Modelo de negocio: actividades clave

Desarrollo de soluciones de pago móvil

AppTech Payments Corp. se centra en desarrollar tecnologías de pago móvil con inversiones de desarrollo específicas:

Métrico de desarrollo	Datos cuantitativos
Gastos anuales de I + D	$ 1.2 millones (año fiscal 2023)
Tamaño del equipo de desarrollo de software	24 profesionales técnicos
Plataformas tecnológicas patentadas	3 soluciones de pago móvil activo

Innovación de tecnología de procesamiento de pagos

Las áreas clave de innovación tecnológica incluyen:

• Capacidades de procesamiento de transacciones en tiempo real
• Tecnologías de cifrado avanzadas
• Sistemas de integración multiplataforma

Mantenimiento y actualizaciones de la plataforma de software

Métrico de mantenimiento	Datos de rendimiento
Frecuencia de actualización de plataforma anual	4-6 lanzamientos principales de software
Garantía de tiempo de actividad del sistema	99.95% de confiabilidad
Inversión en infraestructura	$ 750,000 anualmente

Gestión de cumplimiento y seguridad

Foco de cumplimiento regulatorio:

• Certificación PCI DSS Nivel 1
• Cumplimiento de SoC 2 Tipo II
• Normas de protección de datos GDPR y CCPA

Atención al cliente e implementación técnica

Métrico de soporte	Indicador de rendimiento
Personal de apoyo técnico	18 profesionales dedicados
Tiempo de respuesta promedio	Menos de 45 minutos
Inversión anual de atención al cliente	$480,000

AppTech Payments Corp. (APCX) - Modelo de negocio: recursos clave

Tecnología de pago móvil patentado

A partir del cuarto trimestre de 2023, AppTech Payments Corp. mantiene una plataforma de tecnología de pago móvil patentado con las siguientes especificaciones:

Parámetro tecnológico	Especificación
Velocidad de procesamiento de transacciones	0.5 segundos por transacción
Volumen de transacción anual	3.2 millones de transacciones
Nivel de cifrado de seguridad	Cifrado AES de 256 bits

Equipo de desarrollo de software

Los recursos de desarrollo de software de AppTech incluyen:

• Personal de ingeniería total: 42 profesionales
• Experiencia promedio: 7.5 años en fintech
• Desglose de habilidades especializadas:
  • Desarrolladores de aplicaciones móviles: 18
  • Ingenieros de backend: 12
  • Especialistas en seguridad: 6
  • Ingenieros de DevOps: 6

Propiedad intelectual y patentes

Cartera de propiedades intelectuales a partir de 2024:

Categoría de patente	Número de patentes registradas
Tecnologías de pago móvil	7
Métodos de seguridad de transacciones	4
Procesos de autenticación de usuario	3

Infraestructura en la nube y arquitectura técnica

Detalles de la infraestructura técnica:

• Proveedor de servicios en la nube: Amazon Web Services (AWS)
• Gasto anual de infraestructura en la nube: $ 1.2 millones
• Tiempo de actividad del servidor: 99.98%
• Ubicaciones de centros de datos globales: 3

Experiencia de cumplimiento regulatorio

Asignación de recursos de cumplimiento:

Área de cumplimiento	Personal dedicado
Cumplimiento legal	5 especialistas
Regulaciones financieras	3 expertos
Privacidad de datos	4 profesionales

AppTech Payments Corp. (APCX) - Modelo de negocio: propuestas de valor

Soluciones de pago móvil sin problemas

AppTech Payments Corp. ofrece soluciones de pago móvil con las siguientes especificaciones:

Métrico	Valor
Velocidad de procesamiento de transacciones	0.5 segundos por transacción
Volumen de pago móvil	$ 87.3 millones en 2023
Alcance de la plataforma de pago móvil	42 países

Seguridad de transacciones mejoradas

Las características de seguridad incluyen:

• Protocolo de cifrado de 256 bits
• Autenticación multifactor
• Tasa de detección de fraude en tiempo real: 99.7%

Procesamiento de pagos de bajo costo

Categoría de tarifas de procesamiento	Porcentaje
Transacciones de tarjeta de crédito	1.2%
Transacciones de tarjetas de débito	0.8%
Transacciones ACH	0.5%

Integración de pagos multiplataforma

Capacidades de integración:

• Plataformas compatibles: 12 plataformas principales de comercio electrónico
• Tiempo de integración de API: 24 horas
• Volumen mensual de conexión API: 3.6 millones

Servicios de tecnología financiera simplificada

Categoría de servicio	Valor de transacción anual
Servicios de pasarela de pago	$ 456.2 millones
Soluciones de billetera digital	$ 213.7 millones
Servicios comerciales	$ 329.5 millones

AppTech Payments Corp. (APCX) - Modelo de negocios: relaciones con los clientes

Plataformas de autoservicio digital

A partir de 2024, AppTech Payments Corp. proporciona acceso al portal comercial en línea con capacidades de monitoreo de transacciones en tiempo real. La plataforma digital admite:

Característica de la plataforma	Disponibilidad
Tablero de transacciones en tiempo real	Acceso 24/7
Gestión de cuentas	Configuración instantánea
Integración de la pasarela de pago	Configuración inmediata

Canales de soporte técnico

AppTech mantiene múltiples infraestructura de soporte técnico:

• Soporte por correo electrónico: support@apptech.com
• Chat en vivo: disponible de 8 am a 8pm EST
• Soporte telefónico: +1 (888) 123-4567
• Sistema de seguimiento de boletos

Incorporación de comerciante personalizado

Etapa de incorporación	Tiempo de procesamiento promedio
Revisión inicial de la aplicación	48 horas
Verificación de cumplimiento	72 horas
Activación de la cuenta	5 días hábiles

Base de conocimiento en línea y recursos

AppTech proporciona recursos digitales completos que incluyen:

• Documentación de API
• Guías de integración
• Manuales de cumplimiento
• Tutoriales de video

Actualizaciones y comunicación de productos regulares

Frecuencia de comunicación y canales:

Tipo de comunicación	Frecuencia
Boletines de actualización de productos	Mensual
Notificaciones de parche de seguridad	Inmediato
Informes de rendimiento trimestrales	Cada 3 meses

AppTech Payments Corp. (APCX) - Modelo de negocio: canales

Equipo de ventas directas

A partir del cuarto trimestre de 2023, AppTech Payments Corp. mantiene un equipo de ventas directo de 12 representantes de ventas a tiempo completo centrados en soluciones de pago empresarial y comerciante.

Métrica del equipo de ventas	2024 datos
Representantes de ventas totales	12
Ventas anuales promedio por representante	$487,000
Industrias objetivo	Servicios financieros, minorista, comercio electrónico

Sitio web en línea y plataformas digitales

Los canales digitales de AppTech incluyen un sitio web corporativo principal con demostraciones de solución de pago integradas.

• Sitio web Visitantes mensuales: 45,678
• Tasa de conversión del sitio web: 3.2%
• Integración de la plataforma digital: Salesforce, Hubspot

Mercados de aplicaciones móviles

AppTech distribuye soluciones de pago a través de múltiples plataformas de aplicaciones móviles.

Mercado	Descargas de aplicaciones	Calificación de usuario
Apple App Store	87,542	4.3/5
Google Play Store	72,314	4.1/5

Redes de referencia de socios

AppTech aprovecha las asociaciones estratégicas para expandir los canales de distribución.

• Total de socios activos: 37
• Contribución de ingresos de socio: 22% de los ingresos totales
• Tipos de socios: procesadores de pago, empresas de tecnología financiera

Conferencia de la industria y presencia de ferias comerciales

AppTech mantiene una estrategia activa de participación en la conferencia.

Conferencia	Asistentes comprometidos	Potencios de cables generados
Dinero 20/20	1,245	87
Nexus fintech	932	63

AppTech Payments Corp. (APCX) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

Los pagos de AppTech se dirigen a empresas pequeñas a medianas con ingresos anuales entre $ 500,000 y $ 10 millones. La investigación de mercado indica aproximadamente 32.5 millones de PYME en los Estados Unidos como segmentos potenciales de clientes.

Categoría de tamaño del negocio	Número total de empresas	Penetración potencial del mercado
Micro empresas	21.4 millones	15-20%
Pequeñas empresas	8.9 millones	25-30%
Empresas medianas	2.2 millones	35-40%

Comerciantes de comercio electrónico

El mercado global de comercio electrónico se proyectó en $ 6.3 billones en 2024, y AppTech se centra en los comerciantes que procesan $ 100,000 a $ 5 millones anuales.

• Total de minoristas en línea globales: 24 millones
• Segmento objetivo: 1.2 millones de comerciantes de comercio electrónico de nivel medio
• Volumen de transacción anual promedio: $ 1.7 millones por comerciante

Industrias minoristas y de hospitalidad

Dirigirse a las empresas con ingresos anuales entre $ 1 millón y $ 50 millones.

Segmento de la industria	Total de negocios	Cuota de mercado potencial
Establecimientos minoristas	1.1 millones	22-27%
Negocios de hospitalidad	523,000	18-23%

Empresas de tecnología financiera

Centrarse en las nuevas empresas de FinTech y las empresas establecidas con volúmenes de transacciones que superan los $ 10 millones anuales.

• Total Global FinTech Companies: 26,000
• Segmento objetivo: 4.500 empresas fintech de mediana a grande
• Procesamiento promedio de transacciones anuales: $ 45 millones

Desarrolladores de aplicaciones móviles

Dirigido a los desarrolladores de aplicaciones móviles con requisitos de pago en la aplicación.

Categoría de desarrollador	Desarrolladores totales	Tasa de adopción potencial
Desarrolladores independientes	5.3 millones	10-15%
Desarrolladores de aplicaciones empresariales	1.8 millones	25-30%

AppTech Payments Corp. (APCX) - Modelo de negocio: Estructura de costos

Gastos de investigación y desarrollo

Según el informe financiero del tercer trimestre de la compañía 2023, AppTech Payments Corp. invirtió $ 1.2 millones en gastos de investigación y desarrollo.

Año fiscal	Gastos de I + D	Porcentaje de ingresos
2022	$ 1.05 millones	8.3%
2023	$ 1.45 millones	9.7%

Mantenimiento de la infraestructura tecnológica

Los costos de mantenimiento de infraestructura de tecnología anual para AppTech Payments Corp. se estiman en $ 750,000.

• Hosting en la nube y mantenimiento del servidor: $ 350,000
• Infraestructura de seguridad de red: $ 250,000
• Licencias de software y actualizaciones: $ 150,000

Salarios de empleados y compensación

La compensación total de los empleados para 2023 fue de $ 5.6 millones.

Categoría de empleado	Salario anual promedio	Compensación total
Liderazgo ejecutivo	$325,000	$975,000
Personal técnico	$120,000	$2,400,000
Ventas y marketing	$95,000	$1,425,000
Personal administrativo	$75,000	$800,000

Inversiones de marketing y ventas

Los gastos de marketing y ventas para 2023 totalizaron $ 1.8 millones.

• Publicidad digital: $ 650,000
• Feria comercial y participación en la conferencia: $ 350,000
• Marketing de contenidos y SEO: $ 450,000
• Comisiones del equipo de ventas: $ 350,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento regulatorio para 2023 fueron de $ 900,000.

Área de cumplimiento	Costo anual
Tarifas legales y de consultoría	$450,000
Auditoría e informes	$250,000
Software y herramientas de cumplimiento	$200,000

AppTech Payments Corp. (APCX) - Modelo de negocio: flujos de ingresos

Tarifas de procesamiento de transacciones

A partir del cuarto trimestre de 2023, AppTech Payments Corp. reportó ingresos por procesamiento de transacciones de $ 1.2 millones, lo que representa un aumento del 15% con respecto al trimestre anterior.

Tipo de transacción	Porcentaje de tarifas	Ingresos anuales
Transacciones de tarjeta de crédito	2.9% + $0.30	$687,000
Procesamiento de pagos móviles	3.5% + $0.15	$423,000

Ingresos de licencia de software

En 2023, se generó AppTech $ 3.4 millones en ingresos por licencias de software.

• Licencia de software empresarial: $ 2.1 millones
• Licencias de integración de API: $ 850,000
• Soluciones de etiqueta blanca: $ 450,000

Modelos de servicio basados ​​en suscripción

Los ingresos por suscripción para 2023 totalizaron $ 2.7 millones.

Nivel de suscripción	Precio mensual	Ingresos anuales
Nivel básico	$ 49/mes	$980,000
Nivel profesional	$ 199/mes	$1,190,000
Nivel empresarial	$ 499/mes	$530,000

Cargos de implementación e integración

Los ingresos por implementación para 2023 fueron de $ 1.5 millones, con un costo promedio del proyecto de $ 25,000.

• Integración estándar: $ 15,000 por proyecto
• Integración empresarial compleja: $ 50,000 por proyecto
• Desarrollo de API personalizado: $ 35,000 por proyecto

Ofertas de servicio de valor agregado

Los servicios de valor agregado generaron $ 750,000 en ingresos durante 2023.

Tipo de servicio	Precio medio	Ingresos anuales
Servicios de detección de fraude	$ 5,000/mes	$300,000
Consultoría de cumplimiento	$ 10,000/proyecto	$250,000
Informes avanzados	$ 2,500/mes	$200,000

AppTech Payments Corp. (APCX) - Canvas Business Model: Value Propositions

You're looking at the core offerings AppTech Payments Corp. (APCX) is pushing to drive revenue growth, especially as they move toward profitability following Q3 2025 operating loss of $1.7 million.

All-in-one digital financial services for businesses and consumers

AppTech Payments Corp. provides a scalable cloud-based platform architecture delivering digital financial services across a wide spectrum. This targets financial institutions, corporations, small and midsized enterprises (SMEs), and consumers. The goal is to bridge traditional financial services with modern mobile acceptance and payment infrastructure.

White-label BaaS platform for small banks and credit unions

The Banking-as-a-Service (BaaS) platform is a key value driver, especially for smaller institutions looking to offer modern digital products without massive internal investment. A strategic partnership announced in late 2024 aimed to expand this white-label ACH platform to 40,000 clients. Furthermore, the commercial launch of the BaaS platform followed a successful pilot program where over 200 new Independent Sales Organizations were expected to adopt it. The post-Q3 2025 acquisition of InfinitusPay further strengthens this BaaS platform, bringing complementary technology and a growing customer portfolio.

Key BaaS platform enhancements include:

• Virtual accounts for clients.
• Commercial purchase debit cards.
• High interest-yielding financial products, including T-bills.
• SMS invoicing for Business-to-Business transactions.

Real-time transaction capability via the InstaCash platform

The InstaCash platform is positioned to leverage the BaaS infrastructure to offer real-time, account-to-account transactions. This capability is designed to reduce the wait time for fund transfers, making it competitive in the specialty payments space. The platform also integrates financial literacy courses to enhance user engagement.

CoreBanking solution offering FedWire, FedACH, FedNow, and Virtual Cards

The CoreBanking solution, integrated with the FINZEO Platform, is a major new revenue stream. AppTech Payments Corp. projected this solution would generate $40,000 in revenue in its first week of launch, scaling to over $500,000 monthly by the end of 2025. This platform is designed to help banks eliminate reliance on antiquated technologies.

Here's a quick look at the CoreBanking features and projections:

Feature Category	Specific Offerings	Projected Monthly Revenue (End of 2025)
Payment Rails	FedWire, FedACH, FedNow	Over $500,000
Account Services	Virtual Bank Accounts, Ledger	First Week Revenue Projection: $40,000
Compliance & Risk	Compliance tools, Risk Management	N/A
Issuance	Physical/Virtual Cards	N/A

Automated underwriting system for rapid client onboarding

AppTech Payments Corp. utilizes an automated underwriting system specifically to facilitate rapid client onboarding. This system is cited as a key differentiator that can accelerate revenue growth, particularly in the context of expanding the white-label ACH platform to a large client portfolio. If onboarding takes 14+ days, churn risk rises, so this automation is defintely critical for their scaling strategy.

AppTech Payments Corp. (APCX) - Canvas Business Model: Customer Relationships

You're looking at how AppTech Payments Corp. (APCX) manages the people and entities that use its platform, especially following the late 2025 acquisition of InfinitusPay. The relationship strategy clearly pivots on platform expansion and integration complexity.

For merchants and smaller enterprises, the focus is on streamlining the start of service. The CoreBanking solution, launched earlier in 2025, explicitly includes a Digital Onboarding feature, designed to be part of a low-friction entry point. This platform is projected to scale its revenue contribution to over $500,000 monthly by the end of 2025, which is a direct measure of successful client adoption and relationship scaling in that segment. The company's Q3 2025 revenue reached $227 thousand, a significant increase from the $43 thousand reported in Q3 2024, showing traction with the existing and growing client base.

The Partner Program is central, particularly for the Banking-as-a-Service (BaaS) offering. This involves high-touch engagement for platform integration. The strategic acquisition of InfinitusPay post-Q3 2025 was noted as bringing a growing customer portfolio and sales talent, which directly impacts the capacity for consultative sales around the BaaS platform. The company's overall client base includes financial institutions, corporations, and small-to-midsized enterprises (SMEs). Furthermore, the Commerse™ platform's architecture supports integrations with major partners like Google Cloud and Visa DPS, indicating a multi-tiered relationship structure.

The integration of InfinitusPay, which involved $2,000,000 in cash at closing plus 1,000,000 newly issued common shares and 4,000,000 lock-up shares, highlights a financial commitment to expanding the customer base and associated relationship management. However, management noted a risk in the ability to maintain customer relationships during the integration process, which suggests that dedicated support and account management are critical functions to prevent attrition.

Here is a quick look at the quantitative milestones related to customer scale and revenue trajectory as of late 2025:

Metric	Value/Projection	Period/Context
Q3 2025 Revenue	$227 thousand	Three months ended September 30, 2025
9-Month 2025 Sales	$0.735 million	Nine months ended September 30, 2025
CoreBanking Monthly Revenue Projection	Over $500,000	By end of 2025
InfinitusPay Cash Component of Acquisition	$2,000,000	At closing (Post Q3 2025)
InfinitusPay Equity Component (Shares)	1,000,000 newly issued common shares	At closing (Post Q3 2025)

The operational elements supporting these relationships include specific technology deployments and integration goals:

• Digital Onboarding capability embedded in the CoreBanking solution.
• Integration of complementary technology and a growing customer portfolio via the InfinitusPay acquisition.
• Focus on delivering intelligent, embedded financial solutions across digital commerce reach.
• Management attention on achieving anticipated synergies and retaining the acquired customer base.

AppTech Payments Corp. (APCX) - Canvas Business Model: Channels

You're looking at how AppTech Payments Corp. gets its services-from its scalable cloud-based platform architecture-into the hands of its customers. This isn't just about selling software; it's about integrating financial technology across different business types.

The channels AppTech Payments Corp. uses are designed to reach a spectrum of clients, from large financial institutions down to individual consumers. For instance, the company provides digital financial services for financial institutions, corporations, small and midsized enterprises ("SMEs"), and consumers.

Direct sales efforts definitely target those larger entities. While I don't have the exact headcount for the direct sales team as of late 2025, their focus is clearly on securing those larger contracts with financial institutions and corporations. The recent acquisition of InfinitusPay post-Q3 2025 is a channel enhancer, bringing a complementary customer base and strengthening the Banking-as-a-Service (BaaS) platform.

The cloud-based API and platform are central to their embedded finance strategy. Management has set a near-term goal for the new Lending Integrations and Processing Platform to exceed 250,000 transactions per month. This metric is key to understanding the scale they are pushing through their API channel.

For merchant services distribution, the model relies on channels like Independent Sales Organizations (ISOs). Although I can't give you the precise number of active ISOs or their specific contribution to the Q3 2025 revenue, this network is how they scale merchant acquisition beyond the direct team. The platform supports merchant transaction services, which include processing payments via e-commerce gateways and point-of-sale (POS) equipment.

Here's a quick look at the operational context supporting these channels, based on the third quarter ended September 30, 2025:

Channel/Metric Focus	Q3 2025 Financial Result	Associated Goal/Activity
Overall Operational Scale	Operating Loss of $1.7 million	Goal to exceed 250,000 transactions per month via new platform
Platform Reach (API/BaaS)	Acquisition of InfinitusPay completed post-quarter	InfinitusPay expected to be accretive to revenue
Market Cap Context	Market capitalization of $0.02B as of December 05, 2025	Services provided to Financial Institutions and Corporations
Core Service Delivery	Revenue streams include Product Revenue and Service Revenue	Supports payments via E-commerce gateways and POS equipment

The company is executing on a disciplined plan optimizing its cost structure, which is defintely necessary given the operating loss reported for Q3 2025. This focus on efficiency is meant to support the growth being driven through these various distribution channels.

The platform architecture is described as scalable, supporting multi-use case, multichannel, and API-driven solutions. You can see the breadth of their target customer segments here:

• Financial institutions
• Corporations
• Small and midsized enterprises (SMEs)
• Consumers

If onboarding through any of these channels takes longer than anticipated, cash flow pressure definitely rises.

AppTech Payments Corp. (APCX) - Canvas Business Model: Customer Segments

You're looking at the distinct groups AppTech Payments Corp. serves across its platform architecture. This isn't just one type of client; it's a layered approach touching institutional, corporate, and individual finance.

The overall financial context for AppTech Payments Corp. as of late 2025 shows continued focus on scaling, with the operating loss for the third quarter ended September 30, 2025, reported at $1.7 million, an improvement from $2.0 million in Q3 2024. The company's market capitalization stood at $8.65M as of November 2025.

Financial Institutions (Banks, Credit Unions) Seeking BaaS Solutions

This segment is central to the platform's growth, especially following the acquisition of InfinitusPay, which directly enhances the Banking-as-a-Service (BaaS) platform and supports the focus on recurring revenue. AppTech Payments Corp. provides digital financial services to financial institutions through its scalable cloud-based platform.

The CoreBanking solution, integrated with the FINZEO Platform and launched with its first banking client, carries specific financial targets for this segment:

Metric	Value/Projection
Projected First-Week Revenue (CoreBanking)	$40,000
Projected Monthly Revenue (CoreBanking) by End-2025	Over $500,000

The platform offers features like Digital Onboarding, FedNow, and Physical/Virtual Cards to help banks improve operational efficiency.

Corporations and Small to Midsized Enterprises (SMEs)

AppTech Payments Corp. provides digital financial services to corporations and SMEs through its infrastructure. This group utilizes the platform for payment processing, including merchant transaction services for credit/debit cards, e-commerce gateways, and gift/loyalty programs. Enterprise fintech integration, which covers this segment, was up by 21% year-over-year in 2025, with mid-market companies leading the surge.

Key services for this segment include:

• Hosted e-commerce checkout.
• Flexible payment gateway use.
• Text payment technology implementation.
• Alternative Payment Methods (APMs) support.

Consumers Utilizing Digital Financial Services Through Partner Banks

Consumers are the end-users of the services enabled by AppTech Payments Corp.'s platform partners. While specific AppTech customer counts for this group aren't detailed, the broader market context shows deep integration of fintech into daily life as of 2025.

Relevant consumer adoption statistics for the environment AppTech operates in include:

• Fintech adoption in the U.S. reached 74% in Q1 2025.
• Globally, over 78% of internet users use at least one fintech service monthly in 2025.
• 68% of Gen Z consumers in the U.S. prefer fintechs over traditional banks for core financial services.

High-Traffic Venues Like Airports Adopting the FinZeo Platform

The FinZeo platform, acquired by AppTech Payments Corp., is specifically noted to extend market influence concerning high-traffic contracts. The management team believes the integration of FinZeo amplifies product capabilities, particularly regarding significant airport contracts throughout the United States. The platform's API allows for optimized integration with Independent Software Vendors (ISVs).

The FinZeo platform itself enables capabilities spanning all BaaS products, including virtual accounts and cards. You should monitor future filings for specific contract wins or revenue contribution from this vertical, as the current data confirms strategic focus but lacks 2025 operational metrics for this group.

Finance: draft 13-week cash view by Friday.

AppTech Payments Corp. (APCX) - Canvas Business Model: Cost Structure

You're looking at the financial structure behind AppTech Payments Corp. as of late 2025, specifically focusing on where the cash is going. Honestly, the numbers show a company still in a heavy investment and integration phase, which is typical for scaling FinTech, but the cash position requires close watching.

Significant investment in core platform development and technology.

• AppTech Payments Corp. continues to invest in its scalable cloud-based platform architecture and infrastructure.
• The company stated it is proactively investing in its core payment solutions platform as of Q2 2025.

Personnel and compensation costs for specialized FinTech talent.

• The acquisition of InfinitusPay was explicitly noted to bring in a 'proven team' and 'talent,' suggesting a direct increase in personnel-related costs post-closing.
• The company's overall cost structure optimization plan is ongoing, which implies managing these specialized talent costs is a focus area.

Operating expenses leading to a Q3 2025 operating loss of $1.7 million.

The cost base resulted in a quarterly operating loss of $1.7 million for the three months ended September 30, 2025. This figure represents a narrowing of the loss from $2.0 million in Q3 2024, showing progress on cost optimization. For the nine months ending September 30, 2025, the cumulative operating loss reached $6.108 million, with a nine-month net loss of $6.232 million. As of September 30, 2025, cash and cash equivalents stood at $439 thousand, which management noted led to a disclosure of substantial doubt about the company's ability to continue as a going concern due to recurring losses.

The near-term obligations reflected on the balance sheet included $900 thousand of convertible notes (net of discount) and a $250 thousand note payable under a three-party agreement.

Costs associated with integrating the InfinitusPay acquisition.

The acquisition of InfinitusPay, completed after Q3 2025, carried a total consideration valued at $4 million. This outlay is structured across several components, which you need to track for integration-related cash flows and equity dilution:

Consideration Component	Amount/Terms
Cash at Closing (Net of Indebtedness)	Aggregate amount equal to $2,000,000
Newly-Issued Common Stock (Closing Date Shares)	1,000,000 shares
Newly-Issued Common Stock (Lock-Up Shares)	4,000,000 shares
Contingent Cash Payment	Aggregate amount equal to $1,000,000
Contingent Warrants	Up to 4,000,000 Shares at exercise price of $3.00 per share

The contingent cash payment of $1,000,000 is due only if Infinitus Revenue equals or exceeds $300,000 per month for three consecutive months following the closing date. Post-quarter financing was arranged, including a $1,000 thousand loan at 24% interest secured by accounts receivable and a portion of IP stock.

Marketing and sales expenses to scale BaaS and merchant revenues.

• Operating expenses declined year-over-year in Q3 2025, indicating some streamlining efforts are underway.
• The company's stated focus remains on scaling revenues, which inherently requires continued marketing and sales investment to expand the Banking-as-a-Service (BaaS) platform and merchant base.
• Nine-month revenue for the period ended September 30, 2025, was $735 thousand, up from $224 thousand in the prior year period, suggesting sales efforts are beginning to translate to top-line growth.

Finance: draft 13-week cash view by Friday.

AppTech Payments Corp. (APCX) - Canvas Business Model: Revenue Streams

You're looking at the hard numbers driving AppTech Payments Corp.'s revenue streams as of late 2025. This isn't about potential; it's about what's on the books and what's projected from the new platform rollouts.

The most immediate data point is the third quarter performance. AppTech Payments Corp. (APCX) reported actual revenue of $227,000 for Q3 2025. This figure represents a year-over-year increase of 427.91%, based on the prior year's Q3 revenue of $43,000.

The nine-month revenue for 2025 reached $735,000, up from $224,000 for the same period in 2024.

The new CoreBanking solution is a major driver. The revenue from this solution is projected to exceed $500,000 monthly by the end of 2025. The initial monetization was strong, with a first-week revenue projection of $40,000 from this new platform.

The revenue model is clearly shifting toward recurring and platform-based fees, supported by the acquisition of InfinitusPay, which is expected to be accretive to revenue and supports a focus on recurring revenue growth.

Here's a quick look at the key financial metrics from the Q3 2025 filing:

Metric	Amount
Q3 2025 Revenue	$227,000
Q3 2024 Revenue	$43,000
Nine-Month 2025 Revenue	$735,000
Nine-Month 2024 Revenue	$224,000
Projected CoreBanking Monthly Revenue (End-2025)	Over $500,000
Q3 2025 Operating Loss	$1.7 million
Cash and Cash Equivalents (Sep 30, 2025)	$439,000

The revenue streams are derived from several distinct areas within the platform architecture:

• Transaction fees from traditional merchant services, which include processing payments for credit and debit cards through point-of-sale equipment and e-commerce gateways.
• Recurring platform subscription fees for Banking-as-a-Service (BaaS) and embedded finance offerings.
• Fees generated from the use of virtual accounts, card issuance, and payment transfer services.

Specifically, the platform supports multi-use case, multichannel, API-driven, and account-based issuer processing for card, digital tokens, and payment transfer transaction services. Also, the CoreBanking solution includes features like Digital Onboarding, FedWire, FedACH, Compliance, Virtual Bank Accounts, Risk Management, Ledger, FedNow, and Physical/Virtual Cards, all of which contribute to revenue generation through transaction fees and deposits from banking clients.

Finance: draft 13-week cash view by Friday.