Company: FLDDW
Filing Date: 2025-11-25
Form Type: 424B3
Source: 0001193125-25-293909
Chunk: 3

Company: Fold Holdings, Inc.
Filing Date: 2025-11-25
Form: 424B3
Chunk 3
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 to, and qualified in its entirety by, the full text of the MLA Amendment, a copy of which is attached hereto as Exhibit 10.2 and is incorporated herein by reference. Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth under Item 1.01 of this Current Report on Form 8‑K with respect to the MLA Amendment is incorporated by reference into this Item 2.03. Item 9.01 Financial Statements and Exhibits. (d) Exhibits.

| Exhibit No. 
 10.1*^      
 10.2        |     | Description                                                                                                                                                                                                                                 
 Master Loan Agreement, dated as of October 1, 2025, by and between Fold, Inc. and Two Prime Lending Limited (incorporated by reference to Exhibit 10.1 to the Company's Current Report on Form 10-K filed with the SEC on October 1, 2025). 
 First Master Loan Agreement Amendment, dated as of November 19, 2025, by and between Fold, Inc. and Two Prime Lending Limited.                                                                                                              |
|:------------|:----|:--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 104         |     | Cover Page Interactive Data File (embedded within the Inline XBRL document).                                                                                                                                                                |

* Certain schedules, exhibits and similar attachments have been omitted pursuant to Item 601(a)(5) of Regulation S-K. The Company agrees to furnish supplementally a copy of such schedules, or any section thereof, to the SEC upon request. ^ Certain portions of this exhibit have been redacted pursuant to Item 601(b)(10)(iv) of Regulation S-K. The registrant agrees to furnish supplementally an unredacted copy of the exhibit to the Securities and Exchange Commission upon its request.

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SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

|                          | FOLD HOLDINGS, INC. |                 |                         |
|                          | By:                 | /s/ Will Reeves |                         |
|                          |                     | Name:           | Will Reeves             |
|                          |                     | Title:          | Chief Executive Officer |
| Dated: November 24, 2025 |                     |                 |                         |

FIRST MASTER LOAN