CyberloQ Secure™ Will Bring Transaction-level Security Across PayOnward’s Entire Ecosystem

SARASOTA, FL. - October 21, 2025 (NEWMEDIAWIRE) - CyberloQ Technologies, Inc. (OTCQB: CLOQ), a cybersecurity company specializing in real-time fraud prevention through user authentication tools that ensure secure access to digital assets, today announced that it is integrating CyberloQ Secure™ into PayOnward’s full suite of modern digital payment solutions. PayOnward provides a next-generation cloud-native universal payments platform for credit unions and community-based financial institutions (CBFIs) and their consumers, and this integration will further protect its clients from a wide range of digital Business-to-Business and Business-to-Consumer security threats.

Cyber fraud is one of the biggest challenges faced by organizations, including credit unions and CBFIs. Its impact is more than just fiscal - it can significantly disrupt business operations, destroy business reputations, and upend the lives of consumers. Community-based financial institutions may be particularly vulnerable because of their size and levels of experience.

CyberloQ Secure™‘s Multi-Factor Authenticator provides added protection for financial institutions by ensuring that payments, transfers, and other financial transactions initiated in the institution’s systems are legitimate. CyberloQ Secure™ does this by authenticating the user’s identity on every transaction and restricting access to only those users who successfully verify their identity using a combination of the following challenge factors: LOCATION, unique one-time passcodes, and fingerprint, face, or voice biometrics.

With CyberloQ Secure’s™ strong authentication protocols and location-based access constraints implemented, financial institutions can prevent bad actors - including, unfortunately, rogue employees - from initiating fraudulent activities, including but not limited to:

• Diverting funds to a personal or other fraudulent account.
• Using spoofed accounts receivable links that divert payers to malicious payment sites.
• Creating fake vendors and submitting fraudulent bill pay transactions or altering the payment instructions of legitimate vendors.
• Executing Consumer Account takeovers using compromised user credentials (e.g., acquired through successful phishing attacks).

“PayOnward is excited to be working with CyberloQ Technologies to offer this extra layer of security to our clients,” said Cary Strange, CEO, PayOnward. “By integrating with CyberloQ Secure™, we will be able to address one of the most pressing concerns for credit union and CBFI clients.  By reducing fraud at the account and transaction level, our clients can be even more confident that their customers and their brand are protected from the costly consequences of cybercrime.”

“Cybercriminals never sleep. And the risk they represent for financial institutions is significant and growing. CyberloQ Secure™ provides real-time, risk-based authentication around the clock for companies where trust and security are mission critical. We look forward to helping PayOnward’s clients remain protected and secure,” said Chris Jackson, President and CFO, CyberloQ Technologies.

About CyberloQ Technologies, Inc. (www.cyberloq.com)

CyberloQ Technologies, Inc. (OTCQB: CLOQ) is a US-based cybersecurity company providing adaptive, risk-based multi-factor authentication solutions to prevent unauthorized access and digital fraud. Headquartered in Sarasota, Florida, CyberloQ serves financial institutions, FinTechs, employers, and other organizations operating in high-risk, regulated environments.

About PayOnward (pay-onward.com)

PayOnward is an AI-driven digital payment platform built for Credit Unions and Community-Based Financial Institutions. Our comprehensive, white-label suite including accounts receivable, bill pay, peer-to-peer transfers, account-to-account payments, and cross-border payments, helps CUs modernize services, keep deposits, and engage small businesses and members. Backed by Black Dragon Capital, PayOnward redefines community banking in the digital age. Visit PayOnward.com

For more information:

Chris Jackson, President and CFO, CyberloQ Technologies, Inc
Phone: +1 941.299.5221
Email: chris@cyberloq.com

Viviana Lauschus, Marketing Manager, PayOnward
vlauschus@blackdragoncap.com

Safe Harbor Statement:

This press release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. These statements are subject to risks and uncertainties that could cause actual results to differ materially from those projected. CyberloQ claims the protection of the safe harbor for forward-looking statements as provided by the Private Securities Litigation Reform Act of 1995.

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