Company: CRCL
Filing Date: 2025-05-16
Form Type: S-1/A
Source: 0001193125-25-121234
Chunk: 77

Company: Circle Internet Group, Inc.
Filing Date: 2025-05-16
Form: S-1/A
Chunk 77
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 to sustain our rate of growth or that we will retain existing customers. We are constantly evaluating opportunities to expand our product offerings and the territories in which we offer our products. However, we have limited financial and management resources. As part of our resource allocation decisions, we may prioritize the development of certain products or expansion into certain territories. Such decisions involve inherent subjectivity and uncertainty, and there can be no assurance that we will not forgo or delay the pursuit of opportunities that later prove to have greater commercial potential and market acceptance. Our resource allocation decisions may cause us to fail to timely capitalize on viable commercial products or profitable market opportunities. Any failure by us to retain existing customers, attract new customers, or increase revenue from both new and existing customers could materially and adversely affect our business, financial condition, results of operations, and prospects. These efforts may require substantial financial expenditures, commitments of resources, developments of our processes, and other investments and innovations. Cyberattacks and security breaches of our systems, or those impacting our customers or third-party suppliers and vendors, could adversely impact our business, results of operations, financial condition, and prospects. Our business involves the collection, use, storage, transmission, and other processing of confidential information—such as customer, employee, service provider, and other personal data—as well as information required to access customer assets. We have built our reputation on the premise that our products and services offer customers a secure way to accept and make payments and store value. As a result, any actual or perceived cyberattack or security breach of us or our third-party service providers or partners may:

| • |     | harm our reputation and brand; |

| • |     | result in our systems or services being unavailable and interrupt our operations; |

| • |     | result in improper disclosure of data and violations of applicable privacy and other laws; |

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| • |     | result in significant regulatory scrutiny, investigations, fines, penalties, and other legal, regulatory, and financial 
 exposure;                                                                                                               |

| • |     | cause us to incur significant remediation and litigation costs; |

| • |     | lead to theft or irretrievable loss of our or our customers’ assets; |

| • |     | reduce customer confidence in, or decreased use of, our products and services; |

| • |     | divert the attention of management from the operation of our business; |

| • |     | result in significant compensation or contractual penalties from us to our customers or third parties as a result of losses 
 to them or