Company: FLDDW
Filing Date: 2025-07-11
Form Type: S-1
Source: 0001213900-25-062935
Chunk: 177

Company: Fold Holdings, Inc.
Filing Date: 2025-07-11
Form: S-1
Chunk 177
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 abroad. As a global leader in innovation and new technologies, we anticipate the United States political environment to become increasingly favorable for our industry. • Monetary Policy: Central bank monetary policies, especially in terms of interest rates and quantitative easing, can influence bitcoin adoption. Low interest rates and expansive monetary policies that lead to currency debasement often lead to a search for alternative investments like bitcoin. • Technological Innovation: Advances in blockchain technology, improvements in scalability (e.g., bitcoin’s Lightning Network), and enhanced security protocols can increase bitcoin adoption and integration into various financial systems. We expect each of the above, among other factors, to contribute to the pace of acceptance of bitcoin and an increase in the addressable market for our products and services. The timing of these events as well as the potential occurrence of other unforeseeable events that impact our industry is uncertain and may have a direct impact on our business. Our Customers Fold caters to one of the most valuable customer segments in the world. Our current core customer demographic is just entering their financial prime (83% are between 25 -54years old) with a strong financial position (80% have prime credit and 65% make over $100K income per year). This demographic is on the cusp of some of the most 106 important financial decisions of their lives: starting families, starting businesses, buying homes, preserving wealth, and making long -termfinancial plans. Select customer demographic information based on historical company data and customer surveys from 2022 – 2024 includes: 107 Despite the relative financial strength of Fold’s core customer base, Fold is able to service other customer demographics no matter where they are on their financial journey. Our FDIC -insuredchecking account and prepaid debit card 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 (“