Company: FLDDW
Filing Date: 2025-04-11
Form Type: 424B3
Source: 0001213900-25-031004
Chunk: 142

Company: Fold Holdings, Inc.
Filing Date: 2025-04-11
Form: 424B3
Chunk 142
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 Fold aims to serve as a key point of entry for consumers to engage
with and integrate bitcoin into their everyday lives.

In addition to enabling customers
to accumulate bitcoin through its rewards program, the company itself actively invests in and accumulates bitcoin for our treasury. Fold
believes that bitcoin is a superior asset to hold, offering long-term value preservation and growth potential compared to traditional
fiat currencies or other investment vehicles. This strategic allocation underscores our commitment to maximizing stockholder value and
positioning Fold at the forefront of the emerging bitcoin economy.

Fold products and services are
available in the United States through the Fold mobile app.

Our Products and Services

Fold is among the leading gateways
to earning, buying, and living on bitcoin. We offer our customers a comprehensive suite of financial service products tailored to meet
the needs of our customers seeking to integrate bitcoin into their everyday finances.

Banking and Payments

Fold offers a free FDIC-insured
checking account that supports direct deposits, bill payments, and the ability to receive paychecks up to three days early. Fold
is not a FDIC insured bank, and the FDIC-insured checking accounts are offered through Sutton Bank. In 2020, Fold partnered with Visa
to launch a bitcoin rewards debit card, the Fold Visa Prepaid Card (the “Fold Card”). The Fold Card is a prepaid debit card
linked directly to a customer’s Fold checking account. Customers can order a Fold Card for free and use it anywhere Visa is accepted
to make purchases, pay bills, and earn bitcoin rewards.

Rewards Network

The Company offers bitcoin rewards
to its users through the Fold Rewards Program. This program allows the Company’s users to earn promotional credits (“rewards”)
denominated in bitcoin by engaging in various qualifying actions. For purchases made with the Fold Card, customers can earn up to 1.5%
back on rotating spending categories, mortgage, rent, and bills, as well as up to 15% or more on card-linked merchant offers. In addition
to Fold Card rewards, customers can earn up to 20% back in rewards through our expansive catalog of merchant offers at top merchants.
Fold’s expansive rewards network includes top offer aggregators and direct merchant relationships to maximize inventory and exclusive
rewards. Customers can also earn rewards for other types of behaviors such as referral bonuses, sign-up bonuses, spinning a daily rewards
wheel, and other behavioral actions that the Company chooses to incentivize. Both the amount of rewards earned and the qualifying actions