{"schema_version":"secwatch.filing_event.v1","accession":"0001683168-26-005678","form_type":"8-K","ticker":"APCX","cik":"0001070050","company_name":"AppTech Payments Corp.","filed_at":"2026-07-21T20:10:15+00:00","discovered_at":"2026-07-21T20:11:01.384903+00:00","generated_at":"2026-07-21T20:11:07.111660+00:00","sec_items":["1.01","2.03","9.01"],"event_type":"debt","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"confidence":"high","headline":"AppTech Payments borrows $500K from chairman's trust at 9% for 90-day working capital","bullets":["$500,000 promissory note with Suzanne D. Lord Spousal Estate Reduction Trust; trustee is Chairman Albert L. Lord, Jr.","Interest at 9% per annum; matures 90 days from July 17, 2026.","Proceeds used for short-term working capital and general corporate purposes.","Related person transaction approved by Board of Directors.","No prepayment penalty; customary events of default including bankruptcy and material breach."],"urls":{"canonical":"https://secwatch.observer/filing/0001683168-26-005678","json":"https://secwatch.observer/filing/0001683168-26-005678.json","markdown":"https://secwatch.observer/filing/0001683168-26-005678.md","text":"https://secwatch.observer/filing/0001683168-26-005678.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1070050/000168316826005678/0001683168-26-005678-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1070050/000168316826005678/apptech_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-21T20:11:07.111660+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}