Company: FLDDW
Filing Date: 2025-04-11
Form Type: 424B3
Source: 0001213900-25-031004
Chunk: 149

Company: Fold Holdings, Inc.
Filing Date: 2025-04-11
Form: 424B3
Chunk 149
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 details of the transaction.              |

| ● | To withdraw bitcoin, users navigate to the Bitcoin tab of the Fold app and select the “Send”                                                 
 button. They then select the “Withdraw” option which prompts them to enter a specific bitcoin address to send to. Users are                  
 currently only able to withdraw 100% of their available bitcoin balance. After entering the address, users are presented with a confirmation 
 page that outlines the amount of bitcoin being sent, the address to which it is being sent, and any applicable processing or network fees.   
 After confirming the transaction, a series of automated API requests are sent to Fold’s Bitcoin Service Providers requesting to              
 complete the withdrawal. Once Fold receives a success notification from our Bitcoin Service Provider via API, the transfer request becomes   
 visible in the user’s app and they receive a transfer confirmation email with the final details of the withdrawal.                           |

<div align='center'>81</div>

| ● | To deposit bitcoin, users navigate to the Bitcoin tab of the Fold app and select the “Receive”                                           
 option. After selecting this option, a user is presented with their Fold bitcoin wallet address via both an alphanumeric address and a   
 QR code. Users then copy that address into the bitcoin wallet from which they plan to deposit bitcoin and initiate the deposit via that  
 bitcoin wallet. Processing of the bitcoin deposit occurs via the bitcoin network. When the deposit is received at the address specified, 
 the Bitcoin Service Provider notifies Fold via API request. The deposit is then visible in the user’s app, and they receive a deposit    
 confirmation email with the details of the deposit.                                                                                      |

Gift Card Buying

| ● | Users can purchase gift cards by navigating to the “Gift Card” tab of the Fold app and selecting                                       
 the gift card they wish to purchase. From there, users are prompted to complete the transaction by either entering a personal debit or 
 credit card or utilizing the current USD balance in their Fold account.                                                                |

Rewards

| ● | Users can access their earned rewards by selecting the “Reward” tab in the Fold app. From that                                      
 tab, users can review their earned reward history and withdraw their eligible rewards. To withdraw rewards, users select the “SEND” 
 button and are prompted to enter their personal bitcoin wallet address in the “SEND TO” field. All reward balances are denominated  
 in bitcoin.                                                                                                                         |

Daily Spin Wheel

| ● | Users can take advantage of Fold’s Daily Spin Wheel by navigating to the “Rewards” tab,