Company: CRCL
Filing Date: 2025-05-16
Form Type: S-1/A
Source: 0001193125-25-121234
Chunk: 123

Company: Circle Internet Group, Inc.
Filing Date: 2025-05-16
Form: S-1/A
Chunk 123
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 be aware of all of the risks associated with the acquired business. In addition, an acquisition may result in unforeseen operating difficulties and expenditures, such as the following:

| • |     | difficulties integrating businesses, services, personnel, operations, and financial and other controls and systems and 
 retaining key employees;                                                                                               |

| • |     | assumption of unknown liabilities, known contingent liabilities that become realized, or known liabilities that prove 
 greater than anticipated;                                                                                             |

| • |     | difficulties retaining the customers or employees of any acquired business; |

| • |     | incurrence of debt, contingent liabilities, or future write-offs of intangible assets or goodwill; |

| • |     | entry into a new market or business line in which we have no prior experience and in which we may not successfully compete; 
 and                                                                                                                         |

| • |     | integration of an acquired company, which may disrupt ongoing operations and require management resources that would 
 otherwise be used in developing our existing business.                                                               |

Foreign acquisitions involve unique risks in addition to those mentioned above, including those related to integration of operations across different cultures and languages, currency risks, and the particular economic, political, and regulatory risks associated with specific countries. Any such acquisitions may reduce cash available for operations and other uses and could result in amortization expense related to identifiable assets acquired. We may have to pay cash, incur debt, or issue equity securities to pay for any such acquisition. 81

Cautionary statement regarding forward-looking statements This prospectus contains statements that are forward-looking statements. All statements other than statements of historical facts contained in this prospectus, including statements regarding our future results of operations and financial position, business strategy, technology, and plans and objectives of management for future operations, are forward-looking statements. Many of the forward-looking statements contained in this prospectus can be identified by the use of forward-looking words such as “anticipate,” “believe,” “could,” “expect,” “should,” “plan,” “intend,” “estimate,” “will,” and “potential,” among others. Forward-looking statements are based on our management’s beliefs and assumptions and on information currently available to our management. Such statements are subject to risks and uncertainties, and actual results may differ materially from those expressed or implied in the forward-looking statements due to various factors, including, but not limited to, the following:

| • |     | we face intense and increasing competition; |

| • |     | competition from new and existing issuers offering competing products,