Company: FLDDW
Filing Date: 2025-04-11
Form Type: 424B3
Source: 0001213900-25-031004
Chunk: 16

Company: Fold Holdings, Inc.
Filing Date: 2025-04-11
Form: 424B3
Chunk 16
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 similar software failures, outages, breaches and 
 losses;                                                                                                                                 |

| ● | breaches of security or privacy; |

| ● | inaccessibility of our and our partners’ platforms due to our or third-party actions; |

| ● | our ability to attract and retain talent; and |

| ● | our ability to compete with our competitors. |

As a result of these factors,
it is difficult for us to forecast growth trends accurately and our business and future prospects are difficult to evaluate, particularly
in the short term.

In view of the rapidly evolving
nature of our business and Bitcoin, period-to-period comparisons of our operating results may not be meaningful, and you should not rely
upon them as an indication of future performance. Quarterly and annual expenses reflected in our financial statements may be significantly
different from historical or projected rates. Our operating results in one or more future quarters may fall below the expectations of
securities analysts and investors. As a result, the trading price of our Common Stock or Warrants may increase or decrease significantly.

We are subject to an
extensive, highly-evolving and uncertain regulatory landscape and any adverse changes to, or our failure to comply with, any laws and
regulations could adversely affect our brand, reputation, business, operating results, and financial condition.

Our business is subject to extensive
laws, rules, regulations, policies, orders, determinations, directives, treaties, and legal and regulatory interpretations and guidance
in the markets in which we operate, including those governing financial services and banking, credit, Bitcoin asset custody, exchange,
and transfer, privacy, data governance, data protection, cybersecurity, fraud detection, payment services (including payment processing
and settlement services), money transmission (including prepaid access), virtual currency business, consumer protection, escheatment,
antitrust and competition, bankruptcy, tax, anti-bribery, economic and trade sanctions, anti-money laundering, and counter-terrorist financing.
Many of these legal and regulatory regimes were adopted prior to the advent of the internet, mobile technologies, Bitcoin assets, generative
artificial intelligence (“AI”)and related technologies. As a result, some applicable laws and regulations
do not contemplate or address unique issues associated with the Bitcoin economy, are subject to significant uncertainty, and vary widely
across U.S. federal, state, and local and international jurisdictions. These legal and regulatory regimes, including the laws, rules,
and regulations thereunder, evolve frequently and may be modified, interpreted, and applied in an inconsistent manner from one