Revenue Growth - Revenue increased to $105.4 million for the three months ended September 30, 2020, representing a 58% increase from $66.5 million in the same period of 2019[133] - Revenue for the nine months ended September 30, 2020, was $241.3 million, a 27% increase from $190.4 million in the same period of 2019[133] Cost and Expenses - Cost of revenue increased to $48.8 million for the three months ended September 30, 2020, an 84% increase from $26.5 million in the same period of 2019[134] - General and administrative expenses rose to $1.09 million for the three months ended September 30, 2020, compared to $315.3 thousand in the same period of 2019[135] Net Loss - The net loss for the three months ended September 30, 2020, was $1.11 million, compared to a net loss of $379.6 thousand in the same period of 2019[131] Financial Needs - The company anticipates needing to raise $4.5 million to remain operational for the next 12 months[138] - Net cash used in operating activities decreased by $290.0 thousand for the nine months ended September 30, 2020, compared to the same period in 2019[142] Business Expansion - The company is expanding its merchant processing services to include SMS payments and advanced text messaging for lead generation[122] - The company plans to enter the telehealth and remote patient monitoring sectors to address new healthcare demands, potentially increasing revenue share from Medicare[124] - The company believes its technology will enhance the adoption of mobile payments and alternate banking solutions, aligning with industry trends towards contactless payments[123] Market Risk Disclosures - Not applicable for smaller reporting companies regarding quantitative and qualitative disclosures about market risk[150]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____________________ to ____________________ Commission file number: 0001070050 AppTech Corp. (Exact name of registrant as specified in its charter) Wyoming 65 ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____________________ to ________________________ Commission file number: 0001070050 AppTech Corp. (Exact name of registrant as specified in ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 000-27569 AppTech Corp. (Exact name of registrant as specified in its charter) Wyoming 65-0847995 (State or other juri ...