Company: CRCL
Filing Date: 2025-05-16
Form Type: S-1/A
Source: 0001193125-25-121234
Chunk: 12

Company: Circle Internet Group, Inc.
Filing Date: 2025-05-16
Form: S-1/A
Chunk 12
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 innovative technology and highly regulated, legacy financial services are intersecting in ways that will give rise to challenges and uncertainties. Building a new internet financial
system, creating major new infrastructure for money and economic activity, shaping and responding to policy, and operating this infrastructure in a complex global macro environment—well, it’s hard. It’s complex and difficult, and will
challenge you every day. But it is also an exciting financial and technological adventure.

We have a crystal clear vision of what a future internet financial system
can bring to the world. If we achieve that vision, we believe Circle investors will be rewarded but you will also improve the lot of humanity.

I hope you will join
us on this adventure!

Jeremy Allaire

5

Glossary Definitions We provide this glossary to help those reading this prospectus understand the industry and other technical terms that are used in this prospectus. For many of these terms, there is no generally accepted definition; in this glossary, we present our definition of such terms as used in this prospectus.

| • |     | “API” or “application programming interface” is a software interface for two or more computer programs 
 or components to communicate with each other.                                                          |

| • |     | “blockchain” and “blockchain networks” are systems in which transactions are recorded across computers 
 linked in peer-to-peer (“P2P”) networks.                                                               |

| • |     | “cross-chain transfer protocol” or “CCTP” is a protocol that enables USDC to flow securely between 
 blockchains.                                                                                       |

| • |     | “cryptographic key” is a string of characters used to encrypt and decrypt data. |

| • |     | “cryptography” is the process of encrypting and decrypting data. |

| • |     | “digital wallets” are electronic devices, online services, or software programs that allow one party to make               
 electronic transactions with another party bartering digital currency units for other digital assets, goods, and services. |

| • |     | “distributed computing” is the process by which multiple computers work together to solve computational tasks. |

| • |     | “electronic money token” or “e-money token” means a type of digital asset that purports to maintain a 
 stable value by referencing the value of one official currency.                                       |

| • |     | “FBO account” or “for-the-benefit of account” is an account set up by a company to manage funds titled