Company: FLDDW
Filing Date: 2025-08-11
Form Type: 424B3
Source: 0001213900-25-074298
Chunk: 175

Company: Fold Holdings, Inc.
Filing Date: 2025-08-11
Form: 424B3
Chunk 175
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 provide a lower -risk, responsible way for any customer to navigate their financial lives compared to high interest -ratecredit products. Our Strategic Partners We have strategic partnerships with a number of third -partyservice providers to operate certain of our products and services, including: Marqeta, Inc. (“Marqeta”)— Marqeta powers the modern card -issuingplatform that enables Fold to create, distribute, and manage customized payment cards and financial products. Marqeta serves as the program issuer for the Fold Card. Visa U.S.A. Inc. (“Visa”)— Visa is a global payment technology company that facilitates electronic funds transfers, primarily through credit, debit, and prepaid cards, enabling secure and efficient payments worldwide for Fold. The Fold Card can be used on the Visa Network (“Payment Network”) to spend funds wherever Visa is accepted. Sutton Bank— USD funds deposited in the Fold Checking Account and available to fund purchases using the Fold Card are held at Sutton Bank, an FDIC -insuredbank. As long as specific deposit insurance requirements are met, Fold customer funds held at Sutton Bank are insured up to $250,000 by the FDIC in the event Sutton Bank fails. Fold does not directly hold or control any of its customers’ USD funds. Bitcoin Service Providers —Fold partners with Fortress Trust LLC, a Nevada -charteredtrust company (“Fortress”), and BitGo Trust Company, Inc., a South Dakota -charteredtrust company (“BitGo”) (collectively, the “Bitcoin Service Providers”), to offer eligible customers the ability to buy, sell, store, and withdraw Bitcoin through Fold. These Bitcoin Service Providers are both qualified custodians, meaning they are qualified under applicable state banking, payments or trust laws to custody digital assets, that offer institutional -gradecustody, liquidity, and security solutions for digital assets, specializing in multi -signaturewallets and cold storage services for bitcoin. Additional information with respect to the Bitcoin Service Providers’ respective qualifications under applicable law can be found online at https: // fortresstrust.com / licenses, with respect to Fortress, and https: // www.bitgo.com / company / licenses, with respect to BitGo. Fold does not directly hold or control any of its customers’ digital assets. Merchant Networks— Fold partners with a number of merchant offer wholesalers and direct merchant relationships to offer gift cards, card -linkedoffers, and other affiliate offers from time to time. Fold has established an extensive partnership network across multiple vendors to provide customers with an extensive number