Company: FLDDW
Filing Date: 2025-08-11
Form Type: 424B3
Source: 0001213900-25-074298
Chunk: 217

Company: Fold Holdings, Inc.
Filing Date: 2025-08-11
Form: 424B3
Chunk 217
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 percent. (1)Based on the total of 46,716,520shares of Common Stock outstanding as of July 10, 2025. (2)Assumes issuance of a maximum of 9,282,287shares of Common Stock, 75,000 of which represent Placement Shares issued to Cohen. Although the Facility provides that we may sell up to $250,000,000 in shares of our Common Stock to SZOP, only 9,207,287 of our shares of Common Stock are being registered hereunder that may be sold by us to SZOP at our discretion from time to time over a 24 -monthperiod following the effectiveness of this registration statement. Depending on the price per share at which we sell shares of our Common Stock to SZOP under the Facility, we may need to sell to SZOP more shares under the Facility than are being offered under this prospectus in order to receive the aggregate gross proceeds equal to $250,000,000. If we choose to do so, we must first obtain stockholder approval to issue shares in excess of the Exchange Cap and register for resale under the Securities Act such additional shares. The number of shares of our Common Stock ultimately offered for resale by SZOP will depend upon the number of shares we elect to sell to SZOP under the Facility. (3)SZOP Opportunities I, LLC is wholly -ownedby SZOP Multistrat LP (the “Facility Fund”). SZOP Multistrat Management LLC serves as the investment advisor to the Facility Fund (the “Facility Advisor”). Antonio Ruiz -Gimenezand Kerry Propper serve as the managing members of the Facility Adviser (the “Managing Members”). The Facility Fund, the Facility Adviser and the Managing Members may be deemed to have shared voting and dispositive power with respect to the securities beneficially owned by SZOP. The Facility Fund, Facility Adviser and the Managing Members each disclaim beneficial ownership of the Company’s securities reported herein except to the extent of their pecuniary interest therein. The business address of each of the foregoing entities and individuals is c/o SZOP Multistrat Management LLC, ONE PENN, 1 Pennsylvania Plaza, Suite 4810, New York, New York 10119.

139 (4)Represents 75,000 Placement Shares issued to Cohen & Company Securities, LLC as a fee for its role as placement agent in connection with the Facility. Jerry Serowik, Head of the Cohen & Company Capital Markets division of Cohen & Company