The Apexes contain fidesmo chips. Fidesmo wearables that have an “app store” of features you can add to them.
Since the Apexes are implants and Visa/Mastercard does not authorize them to work with their network they have the payment app temporarily disabled. The other apps will work ok and Vivokey is developing more.
If visa/mastercard change their minds then all Apexes will be able to pay (no expiration) just like fidesmo products. But this is unlikely so don’t make a purcase if that’s the only reason you want one.
More info here: VivoKey Apex update