About Us
We Solve
Complex Banking Challenges
We center our business around delivering exceptional "Experiences" – creating amazing career journeys for our team while providing seamless, reliable solutions for partners and clients.
About Us
We Solve
Complex Banking Challenges
We center our business around delivering exceptional "Experiences" – creating amazing career journeys for our team while providing seamless, reliable solutions for partners and clients.
About Us
We Solve
Complex Banking Challenges
We center our business around delivering exceptional "Experiences" – creating amazing career journeys for our team while providing seamless, reliable solutions for partners and clients.
Our Story
The Story Behind Our Platform
Bank integrations are often slow, fragmented, and difficult to scale across multiple partners. AppTech Payments Corp. was built to simplify that process with one orchestration layer across a network of chartered banks.
Managing money often feels overwhelming requiring expert knowledge, complex tools, or costly advisors
Through a single API and console, companies can open named DDA and FBO accounts, route ACH, wire, RTP, FedNow, and card transactions, and rely on shared compliance infrastructure across the network.
Founded in 2019 by fintech engineers and product designers, we set out to build the financial dashboard we always wanted powerful for experts, intuitive for everyone
The result is a faster path to market, lower integration overhead, and a resilient multi-bank foundation designed for regulated payment operations.
Secure
Secure
Reliable
Reliable
Scalable
Scalable
Our Team
Management Team
Felipe Corrado
Chief Executive Officer (CEO) Chief Financial Officer (CFO)
Felipe Corrado
Chief Executive Officer (CEO) Chief Financial Officer (CFO)
Felipe Corrado
Chief Executive Officer (CEO) Chief Financial Officer (CFO)
Anthony Shall
Chief Operations Officer (COO)
Anthony Shall
Chief Operations Officer (COO)
Alan Carr
Chief Product Officer (CPO)
Alan Carr
Chief Product Officer (CPO)
Kipp Bockhop
Chief Revenue Officer (CRO)
Kipp Bockhop
Chief Revenue Officer (CRO)
Kipp Bockhop
Chief Revenue Officer (CRO)
Gabriel Viera
Compliance Consultant
Gabriel Viera
Compliance Consultant
Nick Saponaro
Interim Chief Technology Officer (CTO)
Nick Saponaro
Interim Chief Technology Officer (CTO)
Board of Directors
Albert L. Lord
Independent Director
Albert L. Lord is the retired Chief Executive Officer of Sallie Mae. He held this position from 1997 to 2013 when he retired. Under Al’s leadership Sallie Mae’s market value increased from $2 billion to $25 billion in 2005. He transitioned Sallie Mae from a “government sponsored enterprise” to a fully private sector entity. In 2008-9 he led the Company through the financial crisis, raised capital and restored much of the market value lost. Today, Sallie Mae is the leading private sector provider of higher education financing in the United States. Al began his professional career in 1967 with Peat, Marwick, Mitchell & Co. after receiving a Bachelor of Science degree from Penn State where he recently served as a Trustee. He and his wife Suzanne split their time between Annapolis, Maryland and Naples, Florida.
Albert L. Lord
Independent Director
Albert L. Lord is the retired Chief Executive Officer of Sallie Mae. He held this position from 1997 to 2013 when he retired. Under Al’s leadership Sallie Mae’s market value increased from $2 billion to $25 billion in 2005. He transitioned Sallie Mae from a “government sponsored enterprise” to a fully private sector entity. In 2008-9 he led the Company through the financial crisis, raised capital and restored much of the market value lost. Today, Sallie Mae is the leading private sector provider of higher education financing in the United States. Al began his professional career in 1967 with Peat, Marwick, Mitchell & Co. after receiving a Bachelor of Science degree from Penn State where he recently served as a Trustee. He and his wife Suzanne split their time between Annapolis, Maryland and Naples, Florida.
Albert L. Lord
Independent Director
Albert L. Lord is the retired Chief Executive Officer of Sallie Mae. He held this position from 1997 to 2013 when he retired. Under Al’s leadership Sallie Mae’s market value increased from $2 billion to $25 billion in 2005. He transitioned Sallie Mae from a “government sponsored enterprise” to a fully private sector entity. In 2008-9 he led the Company through the financial crisis, raised capital and restored much of the market value lost. Today, Sallie Mae is the leading private sector provider of higher education financing in the United States. Al began his professional career in 1967 with Peat, Marwick, Mitchell & Co. after receiving a Bachelor of Science degree from Penn State where he recently served as a Trustee. He and his wife Suzanne split their time between Annapolis, Maryland and Naples, Florida.
Calvin D. Walsh
Independent Director
Calvin D. Walsh, age 79, is the retired Regional Vice President of Sales and Marketing for Siemens Energy and Automation, headquartered in Alpharetta, Georgia, during his 40-year career in the electrical industry. Mr. Walsh held numerous sales and sales management positions, including Regional Sales Manager, District Manager, and Senior Sales Engineer. Cal began his career in 1967 after graduating from The Pennsylvania State University with a Bachelor of Science degree in Mechanical Engineering. Mr. Walsh joined the General Electric Technical Marketing Program directly after college, was later employed by ITE Imperial Corporation in Philadelphia, and joined Siemens Energy and Automation as a sales engineer in 1981. Mr. Walsh held numerous sales management and marketing positions and was an integral contributor to the immense growth of Siemens in the United States.
Calvin D. Walsh
Independent Director
Calvin D. Walsh, age 79, is the retired Regional Vice President of Sales and Marketing for Siemens Energy and Automation, headquartered in Alpharetta, Georgia, during his 40-year career in the electrical industry. Mr. Walsh held numerous sales and sales management positions, including Regional Sales Manager, District Manager, and Senior Sales Engineer. Cal began his career in 1967 after graduating from The Pennsylvania State University with a Bachelor of Science degree in Mechanical Engineering. Mr. Walsh joined the General Electric Technical Marketing Program directly after college, was later employed by ITE Imperial Corporation in Philadelphia, and joined Siemens Energy and Automation as a sales engineer in 1981. Mr. Walsh held numerous sales management and marketing positions and was an integral contributor to the immense growth of Siemens in the United States.
Calvin D. Walsh
Independent Director
Calvin D. Walsh, age 79, is the retired Regional Vice President of Sales and Marketing for Siemens Energy and Automation, headquartered in Alpharetta, Georgia, during his 40-year career in the electrical industry. Mr. Walsh held numerous sales and sales management positions, including Regional Sales Manager, District Manager, and Senior Sales Engineer. Cal began his career in 1967 after graduating from The Pennsylvania State University with a Bachelor of Science degree in Mechanical Engineering. Mr. Walsh joined the General Electric Technical Marketing Program directly after college, was later employed by ITE Imperial Corporation in Philadelphia, and joined Siemens Energy and Automation as a sales engineer in 1981. Mr. Walsh held numerous sales management and marketing positions and was an integral contributor to the immense growth of Siemens in the United States.
Thomas K.
Independent Director
Thomas J. Kozlowski, Jr., is the President of AFIOS, Inc., an independent private wealth management advisory firm which he founded in 2005. AFIOS, Inc. provides customized advisory and wealth management services to families with substantial assets. Mr. Kozlowski has been involved with the family office industry since 1985. He founded the Family Office Group of Merrill Lynch in 1993 and has been associated with two separate family offices: as CFO and Acting President of a Forbes 400 Family Office and as Senior VP and Treasurer of an active private merchant bank holding controlling positions in public and private companies. Mr. Kozlowski has degrees in accounting and law from Georgetown University and an MBA from George Washington University. He is a CPA, a CMA, and a member of the Bars of Virginia and the District of Columbia.
Thomas K.
Independent Director
Thomas J. Kozlowski, Jr., is the President of AFIOS, Inc., an independent private wealth management advisory firm which he founded in 2005. AFIOS, Inc. provides customized advisory and wealth management services to families with substantial assets. Mr. Kozlowski has been involved with the family office industry since 1985. He founded the Family Office Group of Merrill Lynch in 1993 and has been associated with two separate family offices: as CFO and Acting President of a Forbes 400 Family Office and as Senior VP and Treasurer of an active private merchant bank holding controlling positions in public and private companies. Mr. Kozlowski has degrees in accounting and law from Georgetown University and an MBA from George Washington University. He is a CPA, a CMA, and a member of the Bars of Virginia and the District of Columbia.
Thomas K.
Independent Director
Thomas J. Kozlowski, Jr., is the President of AFIOS, Inc., an independent private wealth management advisory firm which he founded in 2005. AFIOS, Inc. provides customized advisory and wealth management services to families with substantial assets. Mr. Kozlowski has been involved with the family office industry since 1985. He founded the Family Office Group of Merrill Lynch in 1993 and has been associated with two separate family offices: as CFO and Acting President of a Forbes 400 Family Office and as Senior VP and Treasurer of an active private merchant bank holding controlling positions in public and private companies. Mr. Kozlowski has degrees in accounting and law from Georgetown University and an MBA from George Washington University. He is a CPA, a CMA, and a member of the Bars of Virginia and the District of Columbia.
Robert Lipstein
Independent Director
Mr. Lipstein, age 70, is a retired KPMG Partner where he served as the Global SOX Leader with deep expertise across financial services, consumer/industrial sectors, and information technology. During his tenure at KPMG, Mr. Lipstein led the operations of the firm’s largest advisory unit, overseeing over 2,000 employees and $250 million in annual revenue. As Global SOX Leader, he created firm-wide audit and advisory methodologies, established risk protocols, and managed relationships with regulators and standard setters. He has extensive capital markets experience, having completed numerous SEC filings including Form S-1 registration statements, 1934 Act, and 1940 Act offerings. Mr. Lipstein currently serves on the boards of Seacoast Banking Corp (NASDAQ: SBCF), Firstrust Savings Bank and it's subsidiaries, and The Modern Mirror and has recently announced his resignation from OnFolio Holdings (NASD: ONFO) effective May 31, 2026. He previously served on the boards of Ocwen Financial (NYSE: OCN) and Infrasight Software. Mr. Lipstein holds a B.S. degree from the University of Delaware, where he was named Alumni of the Year in 1996. He is a member of the AICPA and PICPA, completed the Wharton Board Governance Program, and is an Emeritus Member of the Weinberg Center for Corporate Governance.
Robert Lipstein
Independent Director
Mr. Lipstein, age 70, is a retired KPMG Partner where he served as the Global SOX Leader with deep expertise across financial services, consumer/industrial sectors, and information technology. During his tenure at KPMG, Mr. Lipstein led the operations of the firm’s largest advisory unit, overseeing over 2,000 employees and $250 million in annual revenue. As Global SOX Leader, he created firm-wide audit and advisory methodologies, established risk protocols, and managed relationships with regulators and standard setters. He has extensive capital markets experience, having completed numerous SEC filings including Form S-1 registration statements, 1934 Act, and 1940 Act offerings. Mr. Lipstein currently serves on the boards of Seacoast Banking Corp (NASDAQ: SBCF), Firstrust Savings Bank and it's subsidiaries, and The Modern Mirror and has recently announced his resignation from OnFolio Holdings (NASD: ONFO) effective May 31, 2026. He previously served on the boards of Ocwen Financial (NYSE: OCN) and Infrasight Software. Mr. Lipstein holds a B.S. degree from the University of Delaware, where he was named Alumni of the Year in 1996. He is a member of the AICPA and PICPA, completed the Wharton Board Governance Program, and is an Emeritus Member of the Weinberg Center for Corporate Governance.
Robert Lipstein
Independent Director
Mr. Lipstein, age 70, is a retired KPMG Partner where he served as the Global SOX Leader with deep expertise across financial services, consumer/industrial sectors, and information technology. During his tenure at KPMG, Mr. Lipstein led the operations of the firm’s largest advisory unit, overseeing over 2,000 employees and $250 million in annual revenue. As Global SOX Leader, he created firm-wide audit and advisory methodologies, established risk protocols, and managed relationships with regulators and standard setters. He has extensive capital markets experience, having completed numerous SEC filings including Form S-1 registration statements, 1934 Act, and 1940 Act offerings. Mr. Lipstein currently serves on the boards of Seacoast Banking Corp (NASDAQ: SBCF), Firstrust Savings Bank and it's subsidiaries, and The Modern Mirror and has recently announced his resignation from OnFolio Holdings (NASD: ONFO) effective May 31, 2026. He previously served on the boards of Ocwen Financial (NYSE: OCN) and Infrasight Software. Mr. Lipstein holds a B.S. degree from the University of Delaware, where he was named Alumni of the Year in 1996. He is a member of the AICPA and PICPA, completed the Wharton Board Governance Program, and is an Emeritus Member of the Weinberg Center for Corporate Governance.
Thomas DeRosa
Independent Director
Thomas DeRosa
Independent Director
Thomas DeRosa
Independent Director
Investor Relations
Earnings & SEC Filings
Earnings Call
Form 10-Q
Our Patents
Powerful Patent Library
Mobile Payment Portfolio
Mobile Payment Portfolio
This portfolio includes 4 mobile technology patents covering system and method claims for delivering web content to a mobile device, mobile-to-mobile payments, and related communication workflows.
Mobile-to-Mobile Payment System & Method
USPTO 8,369,828
System & Method for Delivering Web Content to a Mobile Device
USPTO 8,073,895
USPTO 8,572,166
Mobile-to-Mobile Payment System & Method
USPTO 8,315,184
Mobile-to-Mobile Payment System & Method
USPTO 8,369,828
System & Method for Delivering Web Content to a Mobile Device
USPTO 8,073,895
USPTO 8,572,166
Mobile-to-Mobile Payment System & Method
USPTO 8,315,184
Geolocation Portfolio
Geolocation Portfolio
This portfolio includes 13 patents focused on geolocation-based delivery, purchase, and request experiences, using a consumer’s mobile phone and location or time parameters within the United States.
Mobile Commerce Framework
USPTO 7,693,752
USPTO 8,554,632
USPTO 8,799,102
USPTO 9,436,956
USPTO 10,102,556
USPTO 10,127,592
USPTO 10,600,094
USPTO 10,621,639
USPTO 10,846,726
USPTO 10,846,727
USPTO 10,909,593
USPTO 11,107,140
USPTO 11,354,715
Mobile Commerce Framework
USPTO 7,693,752
USPTO 8,554,632
USPTO 8,799,102
USPTO 9,436,956
USPTO 10,102,556
USPTO 10,127,592
USPTO 10,600,094
USPTO 10,621,639
USPTO 10,846,726
USPTO 10,846,727
USPTO 10,909,593
USPTO 11,107,140
USPTO 11,354,715
Pending Portfolio
Pending Portfolio
This portfolio highlights our pending patent coverage and reflects our commitment to developing innovative solutions across the commerce ecosystem.
Commerce Ecosystem
Application number 17/832,662
Commerce Ecosystem
Application number 17/832,662
Our Documents
Document Center
Investor Relations
Investor Relations
Transfer Agent
Transfer Agent
Transfer Online Inc.
512 SE Salmon St,
Portland, OR 97214
Transfer Online Inc.
512 SE Salmon St,
Portland, OR 97214
Service Providers
Service Providers
Auditor/Accountant
DBB McKennon, LLC
Legal Counsel
Whiteford Law
Auditor/Accountant
DBB McKennon, LLC
Legal Counsel
Whiteford Law
Disclaimer
Disclaimer
Please be advised AppTech Payments Corp. is currently a reporting company registered with the Securities and Exchange Commission (SEC).
Rule 144 of the SEC provides the guidelines for public reselling of restricted or controlled securities of SEC registered companies in the market.
Rule 144 also describes the conditions and process for removal of restrictive legends on stock certificates.
AppTech Payments Corp. shareholders who hold securities that are stamped with a restrictive legend will not be able to remove the legend with issuer consent until the company is deemed Rule 144 eligible by the SEC and qualified securities counsel.
www.dbbmckennon.com
Please be advised AppTech Payments Corp. is currently a reporting company registered with the Securities and Exchange Commission (SEC).
Rule 144 of the SEC provides the guidelines for public reselling of restricted or controlled securities of SEC registered companies in the market.
Rule 144 also describes the conditions and process for removal of restrictive legends on stock certificates.
AppTech Payments Corp. shareholders who hold securities that are stamped with a restrictive legend will not be able to remove the legend with issuer consent until the company is deemed Rule 144 eligible by the SEC and qualified securities counsel.
www.dbbmckennon.com
