Company: FLDDW
Filing Date: 2025-07-28
Form Type: 424B3
Source: 0000950170-25-099186
Chunk: 3

Company: Fold Holdings, Inc.
Filing Date: 2025-07-28
Form: 424B3
Chunk 3
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 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: July 28, 2025 |                     |                 |                         |

SEVERANCE AGREEMENT AND GENERAL RELEASE This Severance Agreement and General Release (“Agreement”) is hereby entered into by and between Nicolleta Goncalves (“Employee”) and Fold, Inc. (“Company”). WHEREAS , Employee has been employed by Company in an at-will relationship as the VP of Risk & Compliance; WHEREAS , effective July 11, 2025, Employee’s employment with Company has been terminated (hereinafter referred to as the “Termination Date”); and WHEREAS , Company and Employee do not anticipate that there will be any disputes between them or legal claims arising out of Employee’s separation from employment with Company but, nevertheless, desire to ensure a completely amicable parting and to settle fully and finally any and all differences or claims that might arise out of Employee’s employment. NOW, THEREFORE , it is hereby agreed that: 1. Payment Upon Termination . Employee acknowledges that Company has paid Employee, on the Termination Date, (i) all unpaid base salary accrued up to the Termination Date, (ii) all accrued but unused paid time off or vacation, and (iii) all unreimbursed business expenses. Employee further acknowledges that Employee is not owed any additional compensation, benefits, or payment by virtue of Employee’s employment, or termination of employment, except as provided herein or pursuant to any benefit plans in which Employee has participated. 2. Severance Benefit . In exchange for the general release of claims and other good and valuable consideration, Company agrees to pay and provide to Employee the following Severance Benefit: ($36,666.66). The Severance Benefit will be paid in a lump sum after the full execution of this Agreement. Company will deduct normal withholdings for federal and state income taxes and payroll taxes from the Severance Benefit. Employee acknowledges that the Severance Benefit is in addition to any compensation s/he has earned from Company, and that s/he would not be entitled to the Severance Benefit but for his/her execution of this Agreement. Employee’s