Company: CRCL
Filing Date: 2025-04-01
Form Type: S-1
Source: 0001193125-25-070481
Chunk: 128

Company: Circle Internet Group, Inc.
Filing Date: 2025-04-01
Form: S-1
Chunk 128
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 the internet financial system is in its infancy with decades of growth and innovation ahead. Our business model We believe that we are well positioned to capitalize on the development of the internet financial system and the reimagining of how money works in the world. The future of money is open, transparent, and digital, and we are at the center of this transformation. Our business model is driven by the growth of the Circle stablecoin network, which comprises our stablecoin infrastructure, our banking and reserve management infrastructure, our blockchain infrastructure, and our Developer Services application platform, as well as all the end-userswho are active on our platform and benefit from our underlying technology. We continually invest in growing the Circle stablecoin network:

| • |     | We promote distribution and adoption of Circle stablecoins through partnerships with large, leading financial and 
 technology-focused institutions with large consumer customer bases.                                               |

| • |     | We expand our reach by broadening the accessibility of our network, such as by building global on- and off-ramps from fiat banking providers that permit Circle Mint customers to move their funds between fiat and Circle stablecoins, enabling efficient utilization of 
 Circle stablecoins globally.                                                                                                                                                                                                                                              |

| • |     | We support the building of new applications on our platform by providing end-to-end tools and operational infrastructure that make it easier for developers to abstract away the technology intricacies of building apps |

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| on blockchain networks. These tools, such as CCTP and Circle Gas Station, lower the barriers to entry for developers and end-users, and support innovation on our network. Importantly, many of          
 these tools are open source and permit developers to build on our network regardless of whether they have an existing Circle relationship, which helps fuel the growth of the Circle stablecoin network. |

| • |     | We stimulate increased activity on the Circle stablecoin network by encouraging the growth of the broader Web3 ecosystem                                                                                                                           
 and by introducing new products and services, which enable end-users to leverage the benefits inherent in the internet financial system: transparency, increased velocity, and reduced cost, all with the programmability of money. In addition to 
 products that we introduce ourselves, third-party-developed applications add to activity on our platform.                                                                                                                                          |

| • |     | We seek to expand our footprint to new markets, encouraging global adoption of our technology and products. We do so with a 
 regulatory-first posture, obtaining appropriate licenses as needed.                                                         |

These and other strategies are detailed in “Business—Our platform, products, and ecosystem”