Company: FLDDW
Filing Date: 2025-04-11
Form Type: 424B3
Source: 0001213900-25-031004
Chunk: 159

Company: Fold Holdings, Inc.
Filing Date: 2025-04-11
Form: 424B3
Chunk 159
---
 daily frequency. This proactive approach ensures that our platform remains current and aligned with the latest updates to
the sanctions lists.

FDIC Banking Regulation

Our bank partner, Sutton Bank,
is a member of the FDIC and thus is subject to federal regulations designed to ensure its safety and soundness, as well as banking regulations
established by the State of Ohio where it is chartered. Due to our relationship with Sutton Bank, many laws and regulations that apply
directly to Sutton Bank indirectly impact us (and our products), and our partnership with Sutton Bank is subject to the supervision and
enforcement authority of the FDIC and the Ohio Department of Commerce.

Fold complies with all FDIC rules
regarding the display of statements concerning FDIC standards on our website and our application. We ensure that no information regarding
the FDIC logo and insurance is misrepresented to our customers as we are a financial services platform and not a FDIC insured bank.

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State Money Transmission
and Virtual Currency Laws

As noted above, our Bitcoin Service
Providers are considered “financial institutions” under the Bank Secrecy Act and the regulations thereunder and are each required
to be registered as a “money service business” with the Financial Crimes Enforcement Network, an agency of the U.S. Treasury.
In addition, they are subject to state laws related to money transmission, which may require them to be licensed in individual states.
Finally, certain states have adopted laws or regulations that are specific to virtual currency-related activities within that state or
with residents of that state. For example, in 2014 New York adopted regulations requiring firms engaged in virtual currency-related activities
with New York residents to become licensed and to be subject to regulations and supervision imposed by the New York Department of Financial
Services.

We do not provide bitcoin related
services to customers resident in states where neither of our Bitcoin Service Providers has the required license.

Consumer Financial Protection
Bureau (CFPB) Regulations

The CFPB oversees financial institutions
to ensure adherence to federal consumer financial laws. We are required to stay abreast of CFPB’s constantly changing rules and
regulations to safeguard consumers and ensure that our marketing communications on social media, blogs, and websites are not considered
deceptive, abusive, or unfair.

| ● | Clear and Transparent Communication: |

| ● | All marketing materials must clearly and transparently disclose product terms and conditions. |

| ● | Regularly review and update content to stay compliant. |

| ●