Company: FLDDW
Filing Date: 2025-10-03
Form Type: 8-K/A
Source: 0001193125-25-230192
Chunk: 1

Company: Fold Holdings, Inc.
Filing Date: 2025-10-03
Form: 8-K/A
Chunk 1
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 the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐

<div align='center'>EXPLANATORY NOTE</div>

This Amendment No. 1 to the Current Report on Form 8-K/A is being filed with the Securities and Exchange Commission to amend the Current Report on Form 8-K filed by Fold Holdings, Inc. (the “Company”) on October 1, 2025 (the “Original Form 8-K”) to add the signing officer's signature, which was inadvertently omitted in the Original Form 8-K, though the Original Form 8-K was fully executed in the Company's records before the Original Form 8-K's filing. This Amendment No. 1 continues to speak as of the date of the Original Form 8-K, and the Company has not updated the disclosures contained therein to reflect any events that occurred at a later date.

Item 1.01 Entry into a Material Definitive Agreement.

Master Loan Agreement

On October 1, 2025, Fold, Inc., a Delaware corporation (“Borrower”), and wholly owned subsidiary of Fold Holdings, Inc. (the “Company”), entered into a Master Loan Agreement (the “MLA”) with Two Prime Lending Limited, a company organized under the laws of the British Virgin Islands (“Two Prime”), that establishes a revolving credit facility (the “Facility”) pursuant to the terms of which the Borrower may, from time to time, request an advance of funds, and Two Prime may, in its sole and absolute discretion, extend or decline such advance on terms acceptable to the Borrower and Two Prime and as set forth in individually executed loan term sheets (each, a “Loan Term Sheet”).

Facility and economics:

The Facility provides for loans in an aggregate principal amount of up to $45,000,000, with no minimum loan amount required. Any amounts borrowed under this Facility bear interest at a rate of 6.5% per annum, accruing daily on a 360‑day year basis and payable in USD. The first advance under the first Loan Term Sheet will mature on