Company: FLDDW
Filing Date: 2025-10-02
Form Type: 424B3
Source: 0001193125-25-227152
Chunk: 5

Company: Fold Holdings, Inc.
Filing Date: 2025-10-02
Form: 424B3
Chunk 5
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 Exhibits. (d) Exhibits.

| Exhibit No. 
 10.1*^      |     | Description                                                                                                  
 Master Loan Agreement, dated as of October 1, 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:                 |        |                         |
|                        |                     | Name:  | Will Reeves             |
|                        |                     | Title: | Chief Executive Officer |
| Dated: October 1, 2025 |                     |        |                         |

CERTAIN INFORMATION, IDENTIFIED BY, AND REPLACED WITH, A MARK OF “[**]” HAS BEEN EXCLUDED FROM THIS EXHIBIT BECAUSE IT IS BOTH (I) NOT MATERIAL AND (II) THE TYPE OF INFORMATION THAT THE REGISTRANT TREATS AS PRIVATE AND CONFIDENTIAL. MASTER LOAN AGREEMENT This Master Loan Agreement (“ Agreement ”) is made on this 1st day of October 2025 (“ Effective Date ”) by and between 1. Fold, Inc., a corporation existing under the laws of Delaware with its principal place of business at 2942 North 24th Street, Suite 115, #42035, Phoenix, Arizona 85016 (“Borrower”); and 2. Two Prime Lending Limited, a limited company and existing under the laws of British Virgin Islands with its principal place of business at Craigmuir Chambers, Road Town, Tortola, VG 1110, British Virgin Islands, and