2025 was a defining year for AppTech Payments Corp., marked by a comprehensive transformation led by new management to address inherited structural, operational, and technological challenges. The Company repositioned itself as a modern fintech infrastructure provider, focusing on digital banking, embedded finance, and omnichannel payments. The AppTech Banking Platform was deployed in 2025, with the first partner bank fully online and accepting clients. AppTech completed the acquisition of Infinitus Pay, Inc. (IP) in late 2025, integrating a profitable business with cross-border payments and onboarding capabilities. The FinZeo Payments-as-a-Service (PaaS) business continues to operate, contributing approximately 10-15% of total revenue in 2025 after modernization efforts. Revenue increased by $1,119 thousand, or 405.4%, to $1,395 thousand for the year ended December 31, 2025, compared to $276 thousand in 2024. Net loss decreased by $1,013 thousand, or 11.3%, to $7,920 thousand in 2025 from $8,933 thousand in 2024. The Company's current financial conditions and recurring operating losses raise substantial doubt about its ability to continue as a going concern. Management identified material weaknesses in internal control over financial reporting due to insufficient formal financial reporting policies and procedures, resulting in material post-close adjustments.