Company: FLDDW
Filing Date: 2025-08-11
Form Type: 424B3
Source: 0001213900-25-074298
Chunk: 243

Company: Fold Holdings, Inc.
Filing Date: 2025-08-11
Form: 424B3
Chunk 243
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 financings received in digital assets                    |     |                         |  64,106,134 |   |     |      |          — |   |
| Deferred IPO costs included in accounts payable                             |     |                         |     174,794 |   |     |      |          — |   |
| Supplemental disclosure of cash flow information                            |     |                         |             |   |     |      |            |   |
| Cash paid during the period for income taxes                                |     | $                       |       3,110 |   |     | $    |      8,374 |   |

The accompanying notes are an integral part of these financial statements.

F-6 Fold, Inc.
Notes to Financial Statements 1. ORGANIZATION AND DESCRIPTION OF BUSINESS Fold, Inc. (“Fold,” the “Company,” “we,” “our,” or “us”) is a bitcoin financial services company dedicated to expanding access to bitcoin through a comprehensive suite of consumer financial services. The Company was formed with the purpose of creating a modern financial services platform that allows customers to earn, accumulate, and utilize bitcoin in their everyday life. The Company offers consumers an FDIC insured checking account through Sutton Bank, a prepaid Visa debit card, bill payments, and an extensive catalog of merchant reward offers. The Company also offers various forms of bitcoin buying and selling with low -to -zerofees, instant withdrawals, and insured custody. By integrating bitcoin across traditional financial services, the Company acts as a key point of entry for consumers to engage with and integrate bitcoin into their everyday lives. The Company’s products and services are available in the United States through the Fold mobile app. The Company was incorporated in the state of Delaware on August 20, 2019. The Company is a remote -firstcompany and does not designate a physical headquarters. On July 24, 2024, the Company entered into a definitive agreement (the “Merger Agreement”) with FTAC Emerald Acquisition Corp. (“FTAC Emerald”), a publicly -tradedspecial purpose acquisition company, providing for a proposed business combination (the “Merger”). The registration statement for the Merger was declared effective by the SEC on January 23, 2025, the Merger was approved by FTAC’s shareholders on February 13, 2025, and the business combination was finalized on February 14, 2025. The combined company now operates under the name Fold Holdings, Inc., and its common stock and warrants trade on the Nasdaq under the ticker symbols