Company: CRCL
Filing Date: 2025-02-13
Form Type: DRS/A
Source: 0000950123-25-001965
Chunk: 11

Company: Circle Internet Group, Inc.
Filing Date: 2025-02-13
Form: DRS/A
Chunk 11
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 reach for consumers and businesses—and a set of software protocols for developers to build and integrate into their own applications. Our
business model and technology benefits from network effects that are similar to other leading internet platforms.

At the same time, we’re building a robust set
of financial market infrastructures against a backdrop of constantly evolving regulations. We take pride in our regulatory-first posture in which we prioritize compliance with applicable regulations and our engagement with regulators and
policymakers to facilitate designing and tailoring appropriate regulation for our industry.

This is going to be an adventure

If you’re joining us as an investor and shareholder, I want to also share something that I’ve shared with every single employee and investor that we’ve
ever had.

What we’re doing is not easy given the complexity of navigating an evolving ecosystem where innovative technology and highly regulated, legacy
financial services are intersecting in ways that will give rise to challenges and uncertainties. Building a new internet financial system, creating major new infrastructure for money and economic activity, shaping and responding to policy, and
operating this infrastructure in a complex global macro environment—well, it’s hard. It’s complex and difficult, and will challenge you every day. But it is also an exciting financial and technological adventure.

We have a crystal clear vision of what a future internet financial system can bring to the world. If we achieve that vision, we believe Circle investors will be rewarded
but you will also improve the lot of humanity.

I hope you will join us on this adventure!

Jeremy Allaire

5

CONFIDENTIAL TREATMENT REQUESTED BY CIRCLE INTERNET GROUP, INC. PURSUANT TO 17 C.F.R. § 200.83 Glossary Definitions We provide this glossary to help those reading this prospectus understand the industry and other technical terms that are used in this prospectus. For many of these terms, there is no generally accepted definition; in this glossary, we present our definition of such terms as used in this prospectus.

| • |     | “API” or “application programming interface” is a software interface for two or more computer programs 
 or components to communicate with each other.                                                          |

| • |     | “blockchain” and “blockchain networks” are systems in which transactions are recorded across computers 
 linked in peer-to-peer (“P2P”) networks.                                                               |

| • |     | “cross-chain transfer protocol” or “CCTP” is a protocol that enables USDC to flow securely between 
 blockchains.