Company: FLDDW
Filing Date: 2025-01-14
Form Type: S-4/A
Source: 0001213900-25-003167
Chunk: 330

Company: Fold Holdings, Inc.
Filing Date: 2025-01-14
Form: S-4/A
Chunk 330
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 their financial lives compared to high interest -ratecredit products. 201 Our Strategic Partners We have strategic partnerships with a number of third -partyservice providers to operate certain of our products and services, including: Marqeta, Inc. (“Marqeta”)— Marqeta powers the modern card -issuingplatform that enables Fold to create, distribute, and manage customized payment cards and financial products. Marqeta serves as the program issuer for the Fold Card. Visa U.S.A. Inc. (“Visa”)— Visa is a global payment technology company that facilitates electronic funds transfers, primarily through credit, debit, and prepaid cards, enabling secure and efficient payments worldwide for Fold. The Fold Card can be used on the Visa Network (“Payment Network”) to spend funds wherever Visa is accepted. Sutton Bank— USD funds deposited in the Fold Checking Account and available to fund purchases using the Fold Card are held at Sutton Bank, an FDIC -insuredbank. As long as specific deposit insurance requirements are met, Fold customer funds held at Sutton Bank are insured up to $250,000 by the FDIC in the event Sutton Bank fails. Fold does not directly hold or control any of its customers’ USD funds. Bitcoin Service Providers — Fold partners with Fortress Trust LLC, a Nevada -chartered trust company (“Fortress”), and BitGo Trust Company, Inc., a South Dakota -chartered trust company (“BitGo”) (collectively, the “Bitcoin Service Providers”), to offer eligible customers the ability to buy, sell, store, and withdraw Bitcoin through Fold. These Bitcoin Service Providers are both qualified custodians, meaning they are qualified under applicable state banking, payments or trust laws to custody digital assets, that offer institutional -grade custody, liquidity, and security solutions for digital assets, specializing in multi -signature wallets and cold storage services for bitcoin. Additional information with respect to the Bitcoin Service Providers’ respective qualifications under applicable law can be found online at https://fortresstrust.com/licenses , with respect to Fortress, and https://www.bitgo.com/company/licenses , with respect to BitGo. Fold does not directly hold or control any of its customers’ digital assets. Merchant Networks— Fold partners with a number of merchant offer wholesalers and direct merchant relationships to offer gift cards, card -linkedoffers, and other affiliate offers from time to time. Fold has established an extensive partnership network across multiple vendors to provide customers with an extensive number and quality of merchant offers, and we regularly review new and existing partnerships to optimize our offers network