REGO Payment Architectures Reports Minimal Revenue Growth and Increased Net Loss for Fiscal Year 2025

REGO Payment Architectures, Inc. reported minimal revenue of $2,250 for the fiscal year ending December 31, 2025, a slight increase from $0 in the previous year. The company has not generated significant revenue since its inception, primarily relying on business-to-business software-as-a-service (SaaS) subscriptions moving forward. The net loss attributable to common stockholders increased to $12.4 million in 2025, compared to $11.6 million in 2024, driven by higher general and administrative costs, interest expenses, and accrued preferred dividends. The company’s accumulated deficit now stands at approximately $160.2 million.

In terms of operational changes, REGO has shifted its focus from business-to-consumer initiatives to a business-to-business model, which is reflected in the decrease in transaction expenses from $0.3 million in 2024 to $0.2 million in 2025. Sales and marketing expenses also decreased to $0.4 million, down from $0.6 million, due to reduced marketing consulting costs. The company maintained product development expenses at $3.3 million, indicating a consistent investment in its technology despite the financial losses.

Strategically, REGO has made significant strides in enhancing its Mazoola® Digital Wallet Platform, which is designed to provide a secure mobile banking solution for minors under parental supervision. The company has established partnerships with financial institutions, including a recent agreement with Computer Services, Inc. to integrate its family wallet into CSI’s digital banking platform, which serves over 500 financial institutions. Additionally, REGO is exploring opportunities in the business-to-business realm and has plans to expand its product offerings to include services for aging parents, addressing a growing market need.

As of March 31, 2026, REGO reported a cash position of approximately $0.2 million, which management believes will sustain operations through April 2026. The company anticipates that it will need to generate sufficient revenue to support its cost structure and execute its business plan. However, there is uncertainty regarding the timing and scale of revenue generation, with management projecting that significant revenue may not materialize until at least the second quarter of 2026. The company is actively seeking additional capital to fund its operations and has entered into a line of credit agreement to facilitate this need.

Looking ahead, REGO's management remains focused on leveraging its COPPA-compliant technology to capture market share in the expanding FinTech sector, particularly among younger consumers. The company aims to enhance its platform's capabilities and broaden its reach through licensing agreements and partnerships, while also navigating the challenges of a competitive landscape and the need for ongoing capital investment.