Company: FLDDW
Filing Date: 2025-08-11
Form Type: 424B3
Source: 0001213900-25-074298
Chunk: 9

Company: Fold Holdings, Inc.
Filing Date: 2025-08-11
Form: 424B3
Chunk 9
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 terms of subsequent financings may adversely impact our stockholders. •Our management will have broad discretion over the use of the net proceeds, if any, from sales of shares of our Common Stock to SZOP, and you may not agree with how we use the proceeds and the proceeds may not be used effectively. •Management may use net proceeds from our sale of shares of Common Stock under the Facility, if any, to purchase additional bitcoin for the Company’s treasury. •Sales of a substantial number of our securities in the public market by the Selling Stockholders and/or by our existing securityholders could cause the price of our shares of Common Stock to fall. •Our operating results have and will significantly fluctuate, including due to the highly volatile nature of bitcoin. 2 •We are subject to an extensive, highly -evolvingand uncertain regulatory landscape and any adverse changes to, or our failure to comply with, any laws and regulations could adversely affect our brand, reputation, business, operating results, and financial condition. •Changes in card network rules or standards could adversely affect our business. •We operate in a highly competitive industry and we compete against companies with greater financial and other resources, and our business, operating results, and financial condition may be adversely affected if we are unable to respond to our competitors effectively. •Our long -termsuccess depends on our ability to develop new and innovative products and services to address and keep pace with the rapidly evolving market for payments and financial services, and, if we are not able to implement successful enhancements and new features for our products and services, our business, operating results and financial condition could be materially and adversely affected. •If we cannot keep pace with rapid industry changes to provide new and innovative products and services, the use of our products and services, and consequently our net revenue, could decline, which could adversely impact our business, operating results, and financial condition. •Loss of a critical banking or insurance relationship could adversely impact our business, operating results, and financial condition. •Any significant disruption in our products and services, in our information technology systems, or in blockchain networks related to our business, could result in a loss of customers or funds and adversely impact our brand and reputation and our business, operating results, and financial condition. •Our or our third -partypartners’ failure to safeguard and manage our and our customers’ fiat currencies and bitcoin could adversely impact our business, operating results, and financial condition. •Our and our customers’ bitcoin could be subject to risk in the event of an ins