AppTech Payments Corp (APCX)

[Boing x 2]

Thank you for all the help.

"https://ih.advfn.com/stock-market/NASDAQ/apptech-payments-APCX/stock-news/93705574/apptech-payments-to-present-at-the-planet-microcap"

Luke already has 62 signed up and the PR just hit. Great

Boing X 2

[E-rock]

Just hit enter. You have posting privileges. V is the moderator. He controls it.

[E-rock]

Most of us have had it for over a year. Some for 10-15 years.but you are correct. NJ takes 10% and the fed 20%. May have to buy a home in FL

[E-rock]

Why can’t you post on discord?

[Boing x 2]

E-rock,

Thank Y C for me. I am currently not allowed to post on Discord. He let me know who you are. Not sure who Y C is yet.

I like the friendliness of the board.

Forgot to add one thing. If this stock does what I think it might I might have to move to FL as our main residence so I don't have to pay state income tax. Can still own our place here but, no income here so no state tax.

Boing X 2

Boing X 2

[Boing x 2]

Gaining traction,

"https://world.einnews.com/pr_news/705825796/paytome-co-launches-ai-driven-kyc-to-power-global-e-commerce-with-shiptobox-com"

Boing X 2

[Boing x 2]

Doing some thinking which I know is scary.

IMHO this is a stock where you want some in at least a couple of accounts. If this stock does what I think it is going to do, I want some in a non IRA and an IRA account as well as our trust. The non IRA accounts after a year will only have to pay a 10 percent capital gains tax. That is unless the govt. increases that amount. That lets your more expensive IRA taxable account, at a higher tax rate, increase in value.

Just something to think about now before this stock blows up and you need a year to hold for long term capital gains.

Boing X 2

[Boing x 2]

Ha Ha,

Autocorrect. Boing X 2 not Biting X 2

Boing X 2

[Boing x 2]

E-rock,

Did you see the latest on discord?

Luke writing a congratulations note to AT&T who is likely a user of our patent.

Biting X 2

[E-rock]

1000% that’s the whole thing. Making money freely accessible to spend everywhere without a bank. And your money is yours to do with what you want but if you want to move it they will take a small fee to transfer.

[Boing x 2]

E-rock,

I started from the beginning and read every post. Great to get the feedback.

I did listen to a video that was a wake up. Starbucks is like a bank. They have over 1Billion of your money drawing interest. They will not let you spend your gift card money at any other business. I gave my wife our Starbucks card with about 40 or so bucks left and said just buy enough almond rolls to zero out the card.

APCX is working to let people spend their money at what business they want. All these gift cards people get pile up so the business is like a bank drawing interest on your gift card money. You get squat and they make mega bucks. They might give you a perk once in a while like Starbucks but Starbucks makes you spend at Starbucks.

I have wanted to do otherwise but couldn't as our son would give several hundred Starbucks gift cards. I finally told him please no more gift cards as Starbucks.

The more I learn the more I like.

Boing X 2

[E-rock]

If you go back deep enough there’s a lot of DD. And welcome. It’s a great community led by the Real VC

[Boing x 2]

E-rock,

Bit the bullet and got into Discord. A lot of useful information.

Supposedly a lot of good things happened in the first quarter and they will announce when ready.

I await the news and patent approval.

Volume was triple yesterday over the prior day. I don't expect we stay cheap much longer.

Boing X 2

[Boing x 2]

As soon as my brokerage gets settled into their new office I am going to instruct them not to lend any of my shares for shorting.

Don't want them getting shares to short APCX or any other of my stocks.

Boing X 2

[MTRByTheSea]

Folks come to Discord for the AppTech Investor Group c h a t. . Here is the l i n k : https://discord.gg/VZ4KeDMEMy

[Boing x 2]

Very light volume compared to yesterday. I am hoping that the cheap sellers are drying up.

Waiting to hear what Luke says on CC. He might give some flavor on how many airports and credit unions they have added so far.

E-rock, if you pick up something good on discord help us out over here please.

Boing X 2

[E-rock]

Sellers don’t know sh@t

[MTRByTheSea]

Greetings everyone. Suggest moving over to Discord where we early investors post up to date relevant intel on APCX.
https://world.einnews.com/amp/pr_news/703680467/paytome-co-featured-in-the-nilson-report

[Boing x 2]

E-rock,

I can't believe people are giving away their shares at this price vs. waiting to hear what Luke says on the CC shortly.

They are going to start charging membership fees to belong to this club before long.

Boing X 2

[E-rock]

I keep buying. It’s so cheap.

[Boing x 2]

Ok, I had to add 500 shares in another account that had no shares. .99cents. My neighbor added more today.

Now I wait.

Boing X 2

[Boing x 2]

E-rock,

The site I gave you six posts back is now predicting 2.46 in one month. Boy, I would be happy if they are right.

Boing X 2

[Boing x 2]

E-rock,

You might be right,

At any rate found this,

"Report Ocean says, "The global Fintech market is on an unparalleled growth trajectory, projected to soar at an impressive CAGR of 25.0% from 2022 to 2028. Fueled by the surging popularity of digital payments, widespread adoption of IoT-connected devices, substantial investments in technology-driven solutions, and supportive government regulations, the Fintech sector is reshaping the financial services landscape."

Another report indicates an 889B market by 2030.

I feel APCX has the potential to blow up if they execute going forward. Latest I see is saying there are 24M some shares outstanding now.

Still a vey low float stock company and share will be hard to come buy before long. All IMHO.

Boing X 2

[E-rock]

I didn’t read that to mean they boarded Starbucks. I think he meant they were opening up the model Starbucks has where you put money on a Starbucks award and can only use it at Starbucks. They were going to make it so you can spend your Starbucks money at in and out also or other places. He has done a podcast before talking about this. It is called the AI podcast. https://www.newsfilecorp.com/release/156468/AI-Eye-Podcast-AppTech-Payments-Corp-Discusses-the-Importance-of-Fintech-Patents-AI-and-the-Future-Banking-Transformation

[Boing x 2]

Forgot to add,

Where I live, there is a Starbucks and In-and -Out Burger located 3 miles away. They both have lines of cars all day long. That does not include the people that also park and go inside.

Boing X 2

[Boing x 2]

WOO HOO,

Starbucks already on board. Bring on In-and-Out burger. Yum.

"https://www.msn.com/en-us/money/news/apptech-cto-says-ai-can-be-used-to-detect-unusual-activities-flag-fraud/ar-BB1lpdkF"

Boing X 2

[Boing x 2]

PR,

Annual meeting.

"https://finance.yahoo.com/news/apptech-payments-corp-announces-2024-113000304.html"

Boing X 2

[Boing x 2]

E-rock,

I came across the site on the prediction in my searching apptech.

Type in APCX coincodex.com and once in the site go to prediction at top of page. One can do that for other stocks likewise.

Right you are on Oracle and Apple likely as well.

Boing X 2

[E-rock]

$5500? From your mouth to gods ears.i would loved to know where you saw that. But I think you’re correct. The growth is exponential. As they board projects it gets easier and faster. They will need to add some things like AI, and they need more engineers but these software companies are goldmines when they have something everyone uses. I remember reading a story from the 90s where everyone at Oracle became a multi millionaire including the custodial staff.

[Boing x 2]

E-rock,

A few thoughts.

In all my years of investing I have not seen a stock with so much potential. If they execute we are going to be very happy.

I am impressed that Luke has kept the share count so low with what all hey have had to go through. I suspect when the new numbers of shares holders are announced it is going to be very much lower than the 5,000 prior.

At 5 dollars the big boys are going to have severe problems obtaining shares. Just try and get 5M share blocks. Ha. I just looked at the hedge funds owning and BoA just got 10 shares and JPM 333 shares. Cheap shares are now drying up. I expect we stay at 1.00 or more going forward.

I feel bad for those that waited so long and panicked, but I do appreciate them allowing me to get a substantial position before the patent approval and next news.

I saw a price prediction yesterday of 5,500 by 2030 and that was assuming at the same growth rate. I doubt seriously they are going to continue at the same growth rate if they execute on all their projects. I suggest the could grow at a much higher rate.

Once dollars are coming in they need to keep tight control and bring some dollars to the bottom line each quarter and this company takes off like a rocket. If they do that, we all will be happy.

Boing X 2

[E-rock]

Atta boy.

[Boing x 2]

Loaded and locked in my last shares this am.

Ready for the patent approval and any news now.

Boing X 2

[Boing x 2]

E-rock,

Both were only talking about what they expect for Monday.

I do hope it get back over one dollar fast.

Boing X 2

[E-rock]

None of these analysts have any idea what is going on. In fact nobody knows what is going on. A price target of 1.50 is ridiculous. A price target of $50 is more in line with what the company is doing.

[Boing x 2]

For what it is worth,

After their updates last night, two sites I watch feel APCX is getting ready to rise.

One site indicates 100 percent long and an initial target of 1.21 and a second target of 1.41. with both rated excellent.

The second site talks about 1.10

Time will tell,

Boing X 2

[Boing x 2]

E-rock,

Thank. you.

Have been dragging as both of us had a severe case of food poisoning, Not fun. It wasn't my wife's cooking.

Stock looks like it is trying to get over 1 again but a drip, drip of 100 share sellers. Not sure why they would sell now with the credit unions and airports being added this quarter. Sometimes you just have to evaluate if you are right in your investment and ride it out.

Need some positive information now and get this stock over a dollar soon before the stock exchange starts telling them they need to do so.

Boing X 2

[E-rock]

This is the best aggregated information on apptech.

https://b2idigital.com/apptech

[Boing x 2]

Found this from April 1,

"https://apptechcorp.com/blog/mastering-credit-card-chargebacks-5-simple-solutions/

Charge back cost staggering. If Apptech can help reduce they make money.

Boing X 2

[Boing x 2]

E-rock,

I hear you. Found the following and I think is could be some of each due to differences. Might get big groups done at once and smaller different requirements at different times.

"This means credit union members may be able to access thousands of branches across the nation.

Not All Credit Unions Offer the Same Features
Before opening an account at a credit union, confirm what products and features it offers. While large federal credit unions, such as Navy Federal Credit Union and Affinity Federal Credit Union, offer services on par with most banks, smaller credit unions could be more limited. For instance, some may not offer mortgages or mobile banking apps. Even larger credit unions may be restricted in what they can provide business customers. "We cannot lend on the commercial side as much," Kearns says.

"Almost all credit unions in relation to the largest banks are small," Roe says. However, that's not necessarily a bad thing if you're looking for a financial institution that offers attentive service and a personalized touch.'

Time will tell,

Boing X 2

[E-rock]

I agree. But frankly I think they have so many projects going and so much demand that they might be a bit overwhelmed right now. It is a small company trying to onboard billions in projects. I don’t know if the credit union project is onboarding all at once on one system. I would think having to onboard each credit union is cost prohibitive. It is likely one system to turn on all of them can use. And the airport contract is a federal contract I think so they have to make sure it is done right. They have one done. And that was three months ago so I am sure they are working on others. Granted I feel like it is a little slow as they said 40 this year and it is q2 already but I think as they onboard things the process will streamline substantially. All these things are a groundswell that have growing pains. I think in the end when they have successful news they will advise the world. But as a small company they don’t have room for mistakes so I appreciate they are quiet while everything is accomplished. They are also probably working on Broadnet, Nuvei, and instacash. Plus there are likely deals they can’t tell us about as they are likely under NDA.

[Boing x 2]

E-rock,

That is good.

Thinking out loud here. APCX should post on their website how many credit unions or airports are added each day. Would not cost them PR money but an easy method to see how they are progressing. Should help the stock price.

With 2k credit unions to be added in this quarter, that is 63 working days. That is 31.74 credit unions a day that need to be added.

I know our credit union has 13 branches so that would be knocked out in one day.

If investor's see the progress on credit unions and airports it solidifies peoples thinking. Just all IMHO.

Boing X 2

[E-rock]

Doing something with Discover too.

[Boing x 2]

Key paragraph from PR IMHO,

"Entered a strategic partnership to build, develop, launch, and manage InstaCash, Inc.’s mobile-to-mobile payment system, and subsequently extended the license to Brazil and Mexico. AppTech will develop mobile and web-based applications for the contactless payment system, which will feature digital banking services and Visa/MasterCard sponsorship and provide user support services. As part of the partnership, AppTech will receive an equity stake in InstaCash
"

Visa and Mastercard are biggies.

Boing X 2

[Boing x 2]

PR,

"https://ih.advfn.com/stock-market/NASDAQ/apptech-payments-APCX/stock-news/93582441/apptech-payments-corp-reports-fiscal-year-2023-re"

Boing X 2

[E-rock]

Nothing unexpected.

[Boing x 2]

10K filed and on line on Apptech website.

Boing X 2

[Boing x 2]

E=rock,

I agree the R&D to get to this point must have been a nightmare. Time to profit as a company.

I hope they get their 4th quarter accounting done on time now they have some extra cash. Otherwise people will gripe on any extension request. I am sure they are on over load right now. It will be most interesting to hear Luke's discussion about the rest of this year now.

Found a site that says they are looking for stock to trade up to 1.14 tomorrow. Time will tell. I told our son I sort of thought the same.

Looking forward to watching the trades tomorrow.

Off to relatives for Easter dinner now. I hope all have had a Very Happy Easter.

Boing X 2

[E-rock]

Very interesting. They spend a few years searching for a partner to help them build the platform. After oracle it was infinios and then they bought Finzeo in October which ended up being what they needed. Now they own the whole vertical and dontcsharecreceniexwothxanyobe except the banks that process for them and the channel partners that bring them business. It took a while to finish the R&D but now it’s apparently done…. Just waiting for the lag in earnings to see what comes to fruition…..

[Boing x 2]

Opps,

Sorry, that is not the first time that has happened, It said 2months old when searching,

Still it was interesting.

Boing X 2

[E-rock]

That is from 2.5 years ago. A lot of that isn’t relevant anymore….