Company: FLDDW
Filing Date: 2025-07-28
Form Type: 424B3
Source: 0000950170-25-099186
Chunk: 2

Company: Fold Holdings, Inc.
Filing Date: 2025-07-28
Form: 424B3
Chunk 2
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 | FLDDW             |     | Nasdaq Capital Market          |

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of 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. ☐

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Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. Following the previously announced termination of employment of Nicolleta Goncalves, the former Vice President of Risk and Compliance of Fold Holdings, Inc. (the “Company”), the Company entered into a severance agreement with Ms. Goncalves on July 22, 2025 (the “Severance Agreement”). The Severance Agreement provides for, among other things, (i) a lump severance payment by the Company to Ms. Goncalves in the amount of $36,666.66 (representing two months of Ms. Goncalves’s base salary), less applicable tax withholdings; (ii) payment by the Company of Ms. Goncalves’s COBRA premium for the month of August 2025; (iii) a general release of claims by Ms. Goncalves in favor of the Company and its affiliates; and (iv) certain restrictive covenants applicable to Ms. Goncalves, including nondisclosure and non-disparagement requirements, as well as an obligation not to solicit employees or other service providers of the Company for a period of 12 months. Item 9.01 Financial Statements and Exhibits. (d) Exhibits.

| Exhibit No. 
 10.1        |     | Description                                                                                 
 Severance Agreement, dated July 22, 2025, by and between Fold Inc. and Nicolleta Goncalves. |
|:------------|:----|:--------------------------------------------------------------------------------------------|
| 104         |     | Cover Page Interactive Data File (embedded within the Inline XBRL document).                |

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SIGNATURE Pursuant to the requirements of the