Form 4: AppTech Payments Director Significantly Boosts Stake Through Stock and Warrant Acquisitions

Sentiment:

Insider Ownership Report 27 May 2025 4:10 PM

AppTech Payments Corp. Director Thomas J. Kozlowski, Jr. has substantially increased his beneficial ownership in the company through a series of common stock and warrant acquisitions, including those tied to direct investments.

Capital raiseThe document explicitly states that certain warrants were issued in conjunction with direct investments in the Company.For investments made on 12/30/2024, each $0.833 investment resulted in one share of common stock, one warrant exercisable at $0.90, and 150% additional warrant coverage exercisable at $1.20.For investments made on 03/20/2025, each $1.00 investment resulted in one share of common stock, one warrant exercisable at $0.90, and 150% additional warrant coverage exercisable at $1.20.

Better than expectedThe document details significant insider buying by a director, which is generally interpreted as a positive signal of confidence in the company's future performance and valuation.The acquisitions include direct investments into the company, indicating a commitment to providing capital and supporting growth.

Summary

Thomas J. Kozlowski, Jr., a Director of AppTech Payments Corp. (APCX), has reported multiple acquisitions of common stock and derivative securities (warrants) in a recent SEC Form 4 filing.
The transactions span from September 2015 through May 2025, with significant recent acquisitions occurring in late 2024 and early 2025.
As of the latest reported transaction on May 23, 2025, Mr. Kozlowski, Jr. beneficially owns a total of 1,025,442 shares of common stock.
He also beneficially owns 1,405,310 derivative securities (warrants) after the reported transactions.
A substantial portion of these acquisitions, particularly those in late 2024 and early 2025, were made in conjunction with direct investments into the company.
These direct investments involved the issuance of common stock alongside warrants with varying exercise prices and coverage.
Ownership is held directly and indirectly through the Thomas J. Kozlowski, Jr. Roth IRA, Timber Ridge Ventures, LLC, and the Thomas J. Kozlowski, Jr. IRA.

Sentiment

Score: 8

Explanation: The sentiment is highly positive due to substantial insider buying by a director, including direct investments, which signals strong confidence in the company's future.

Positives

A Director significantly increasing their stake in the company, which often signals strong confidence in the company's future prospects and valuation.
The acquisitions include direct investments into the company, providing capital to AppTech Payments Corp.
The director's total beneficial ownership of common stock has grown to over 1 million shares, demonstrating a substantial personal commitment.

Risks

While insider buying is generally positive, it does not guarantee future stock performance and is subject to market risks inherent in equity investments.
The value of warrants is highly sensitive to the underlying stock price and their exercise prices, posing a risk if the stock does not perform as expected.

Management Comments

Thomas J. Kozlowski, Jr. claims beneficial ownership of shares and warrants held by the Thomas J. Kozlowski, Jr. Roth IRA dated 12/31/2019.
Thomas J. Kozlowski, Jr. claims beneficial ownership of shares and warrants held by Timber Ridge Ventures, LLC, dated 7/4/2018, where he is the Manager.
Thomas J. Kozlowski, Jr. claims beneficial ownership of shares and warrants held by the Thomas J. Kozlowski, Jr. IRA dated 12/29/2017.
Warrants (Firm Warrant 4 and 5) were issued in conjunction with direct investments in the Company, where each $0.833 investment resulted in the issuance of one share of common stock, one warrant exercisable at $0.90, and 150% additional warrant coverage exercisable at $1.20.
Warrants (Firm Warrant 6 and 7) were issued in conjunction with direct investments in the Company, where each $1.00 investment resulted in the issuance of one share of common stock, one warrant exercisable at $0.90, and 150% additional warrant coverage exercisable at $1.20.

Industry Context

This insider buying activity in AppTech Payments Corp. (APCX) suggests a positive outlook from a key director within the financial technology (FinTech) and payments industry. Such a move could indicate confidence in the company's strategic direction, product development, or market position within a competitive and evolving sector.

Related Party Transactions

The reported transactions are related-party dealings as they involve a director of the company acquiring securities.
Indirect beneficial ownership is held through entities controlled by the reporting person, including the Thomas J. Kozlowski, Jr. Roth IRA, Timber Ridge Ventures, LLC, and the Thomas J. Kozlowski, Jr. IRA.

Stakeholder Impact

Shareholders may view this significant insider buying as a positive indicator, potentially increasing investor confidence and demand for the stock.
The direct investments associated with some acquisitions provide capital to the company, which can support operations and strategic initiatives.

Key Dates

Date	Description
09/16/2015	Acquisition of 26,316 Common Stock at $0.76.
12/18/2015	Acquisition of 13,157 Common Stock at $0.76.
12/28/2015	Acquisition of 105,263 Common Stock at $1.425 (Indirect via Roth IRA).
05/23/2016	Acquisition of 526 Common Stock at $0.95.
05/25/2016	Acquisition of 13,157 Common Stock at $0.95.
06/17/2016	Acquisition of 3,158 Common Stock at $0.76.
03/31/2017	Acquisition of 36,842 Common Stock at $0.475.
08/09/2017	Acquisition of 26,316 Common Stock at $0.285.
09/18/2020	Acquisition of 26,316 Common Stock at $2.375 (Indirect via LLC).
02/19/2021	Acquisition of 26,316 Common Stock at $3.182.
02/19/2021	Acquisition of 5,262 Common Stock at $3.182 (Indirect via LLC).
09/23/2021	Acquisition of 12,105 Common Stock at $2.375.
11/15/2021	Acquisition of 37,368 Common Stock at $3.42 (Indirect via LLC).
03/24/2022	Acquisition of 7,500 Common Stock at $1.3 (Indirect via IRA).
03/28/2022	Acquisition of 12,500 Common Stock at $1.29.
05/26/2022	Acquisition of 2,256 APCXW warrants at $0.24.
06/06/2022	Acquisition of 6,700 APCXW warrants at $0.27.
06/07/2022	Acquisition of 9,054 APCXW warrants at $0.27.
06/16/2022	Acquisition of 19,400 Common Stock at $0.79.
10/21/2022	Acquisition of 13,440 Common Stock at $0.89.
10/21/2022	Acquisition of 12,300 APCXW warrants at $0.25.
12/09/2024	Acquisition of 15,500 Common Stock at $0.44 (Indirect via IRA).
12/30/2024	Acquisition of 100,000 Common Stock at $0.833 (Indirect via Roth IRA).
12/30/2024	Acquisition of 200,000 Common Stock at $0.833.
12/30/2024	Acquisition of 100,000 Firm Warrant 4 at $0.9 (Indirect via Roth IRA).
12/30/2024	Acquisition of 200,000 Firm Warrant 4 at $0.9.
12/30/2024	Acquisition of 150,000 Firm Warrant 5 at $1.2 (Indirect via Roth IRA).
12/30/2024	Acquisition of 300,000 Firm Warrant 5 at $1.2.
03/20/2025	Acquisition of 250,000 Common Stock at $1 (Indirect via LLC).
03/20/2025	Acquisition of 250,000 Firm Warrant 6 at $0.9 (Indirect via LLC).
03/20/2025	Acquisition of 375,000 Firm Warrant 7 at $1.2 (Indirect via LLC).
05/22/2025	Acquisition of 28,000 Common Stock at $0.085 (Indirect via LLC).
05/22/2025	Acquisition of 22,000 Common Stock at $0.15 (Indirect via IRA).
05/23/2025	Acquisition of 25,000 Common Stock at $0.2518 (Indirect via LLC).
05/27/2025	Signature date of the filing by Thomas J. Kozlowski, Jr.

Recommendation

buy

Keywords

AppTech Payments Corp, APCX, Form 4, insider ownership, beneficial ownership, common stock, warrants, director, Thomas J. Kozlowski Jr, equity acquisition, capital raise

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