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STATES\n\nSECURITIES AND EXCHANGE COMMISSION\n\nWASHINGTON, DC 20549\n\n \n\n \n\nFORM 10-Q\n\n \n\n☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\n \n \n\nFor the quarterly period ended March 31, 2026\n\n \n\n☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\n \n \n\nFor the transition period from __________ to __________\n\n \n\nCommission file number 0-53944\n\n \n\n \n\nREGO PAYMENT ARCHITECTURES, INC.\n\n(Exact Name of Registrant as Specified in Its Charter)\n\n \n\nDelaware 35-2327649\n\n(State or Other Jurisdiction of\n\nIncorporation or Organization)\n\n \n\n(I.R.S. Employer\n\nIdentification No.)\n\n \n \n \n\n325 Sentry Parkway, Suite 200  \n\nBlue Bell, PA 19422\n\n(Address of Principal Executive Offices)\n \n(Zip Code)\n\n \n \n \n\n(267) 465-7530\n\n(Registrant’s Telephone Number, Including Area Code)\n\n \n\n(Former name, former address and former fiscal year, if changed since last report)\n\n \n\nSecurities registered pursuant to Section 12(b) of the Act:\n\nTitle of Each Class\nTrading Symbol(s)\n\nName of Each Exchange on Which\n\nRegistered\n\nNone\n \n \n\n \n\nIndicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐\n\n \n\nIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐\n\n \n\nIndicate by check mark whether the\nregistrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth\ncompany. See the definitions of “large accelerated filer,” “accelerated filer”, “smaller reporting company”,\nand “emerging growth company” in Rule 12b-2 of the Exchange Act.\n\nLarge accelerated filer   ☐\n \nAccelerated filer   ☐\n \n\nNon-accelerated filer   ☒ Smaller reporting company   ☒ \n\nEmerging growth company   ☐   \n\n \n\nIf\nan emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying\nwith any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐\n\n \n\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒\n\n \n\nIndicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date: 136,586,403 shares of common stock outstanding at May 15, 2026.\n\n \n\n \n\n 1 \n\n \n\n \n\nTABLE OF CONTENTS\n\n \n\n \nPage\n\nPART I - FINANCIAL INFORMATION\n \n\n \n \n\n[Cautionary Note Regarding Forward-Looking Statements](#cautionary)\n3"}