Company: FLDDW
Filing Date: 2025-01-24
Form Type: 424B3
Source: 0001213900-25-006075
Chunk: 327

Company: Fold Holdings, Inc.
Filing Date: 2025-01-24
Form: 424B3
Chunk 327
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 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 h ttps://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. Our Strategy First Mover Advantage Fold has identified what we believe to be a unique opportunity in the market to provide bitcoin -nativespecialty financial services that are currently underrepresented by incumbent financial service providers. Fold’s products are built on bitcoin, for bitcoiners, by bitcoiners. In contrast to exchanges with hundreds of cryptocurrencies, capital -intensivemining businesses, and high -feeETFs, Fold provides a user -friendly, low -barrierentry point to bitcoin via financial products that users are already familiar with. Our product offerings are also diverse, offering customers more utility than just an exchange product. As an early entrant to this space and the first company to launch a bitcoin rewards debit card program, Fold has accumulated proprietary data on customer spending, saving, investing, and product needs that can be leveraged for further penetration within our existing user base as well as to expand into new customer demographics. We have invested significant resources to form deep relationships with partners, customers, and industry participants while building a reputable brand name in the bitcoin market. Expanding Access to Value Creation for Fold’s Customers We believe that bitcoin is a powerful tool for democratizing wealth and protecting against inflation. From January 2010 to June 2024 the US dollar lost 31% of its purchasing power due to inflation. Further, the US Federal Reserve has a stated annual inflation goal of 2%