Company: FLDDW
Filing Date: 2025-04-11
Form Type: 424B3
Source: 0001213900-25-031004
Chunk: 147

Company: Fold Holdings, Inc.
Filing Date: 2025-04-11
Form: 424B3
Chunk 147
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 is sent to Fold’s Bitcoin Service Providers requesting to complete the trade. The Bitcoin Service Providers then process           
 the trade using their own technology and liquidity partners. If a processing error is encountered in any step, whether at Fold or at the        
 Bitcoin Service Provider, the purchase is considered failed and the USD is returned to the user’s account. Once Fold receives a                 
 success notification from our Bitcoin Service Provider via API, the bitcoin becomes visible in the user’s app and they receive a                
 purchase confirmation email with the final details of the transaction.                                                                          |

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| ● | Recurring Trades: This feature, referred to as “Auto Stack” within the Fold app,                                                              
 allows users to purchase a specific USD amount of bitcoin at a specified recurring interval. To set up this purchase type a user first        
 selects the Auto Stack option in the Bitcoin tab of the Fold app and toggles that option to “On”. Users are then prompted                     
 to select from 3 recurring intervals — Daily, Weekly, or Monthly — and are advised that their first                                           
 purchase will execute at the time they set up this feature with all subsequent recurring purchases taking place at the time interval selected 
 by the user. All Auto Stack trades are executed via the API flow to our Bitcoin Service Providers described in the “Spot Buys”                
 section above. To turn this feature off, users can navigate to the Auto Stack option in the Bitcoin tab of the Fold app and toggle that       
 option to “Off”. This action immediately disables all future Auto Stack purchases.                                                            |

| ● | Direct Deposits: This feature, referred to as “Direct to Bitcoin” within the Fold                                                       
 app, allows users to automatically convert a percentage of all incoming USD deposits into bitcoin. To set up this purchase type a user  
 first selects the Direct to Bitcoin option in the Bitcoin tab of the Fold app and toggles that option to “On”. Users are then           
 prompted to choose what percentage of their deposits they wish to convert into bitcoin using this feature and can select any percentage 
 from 1% to 100%. Once this feature has been turned on, all future USD deposits will be exchanged to bitcoin via the API flow to our     
 Bitcoin Service Providers described in the “Spot Buys” section above. The series of automated API requests is sent as soon              
 as Fold receives notification of the incoming deposit from the external bank where the USD funds originated from. To turn this feature  
 off, users can navigate to the Direct to Bitcoin option in the Bitcoin