Company: FLDDW
Filing Date: 2025-04-11
Form Type: 424B3
Source: 0001213900-25-031004
Chunk: 146

Company: Fold Holdings, Inc.
Filing Date: 2025-04-11
Form: 424B3
Chunk 146
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” tab. From there, users can select from and utilize a number of deposit and withdrawal                      
 methods. All funds directly deposited to, spent on, or withdrawn from the Fold Card are in USD. As described in the “Bitcoin Buying     
 and Selling” section below, eligible users also have the ability to deposit bitcoin into their Fold account. Any such bitcoin deposited 
 by users is received by and held at the Bitcoin Service Providers and does not directly impact a user’s Fold Card balance. At their     
 option, users have the ability to sell the deposited bitcoin to fund their card using the “Push to Card” feature discussed              
 below.                                                                                                                                  |

Bitcoin Buying and Selling

| ● | To buy and sell bitcoin in the Fold app, users must request access to this feature. Users can request access                        
 by first selecting the “Bitcoin” tab within the Fold app. Users will then be prompted to provide additional KYC and AML information 
 as required by Fold’s Bitcoin Service Providers. Only once a user has passed these compliance checks will they be granted access    
 to the bitcoin buy and sell features within the Fold app.                                                                           |

| ● | All bitcoin buy and sell features are accessed by opening the Fold app and selecting either the Bitcoin tab 
 at the bottom of the screen or by selecting the Bitcoin balance shown on the Home tab.                      |

| ● | Users can purchase bitcoin in several ways, including: |

| ● | Spot Buys: This option provides for a one-time bitcoin purchase at a USD amount specified by                                                    
 the user. After selecting the Buy button on the Bitcoin tab, the user is provided with several pre-populated denominations — $10,               
 $20, $50, $100 and $500 — as well as the option to enter a custom amount of USD they would like to spend to purchase bitcoin. After             
 choosing one of the pre-populated denominations or inputting the custom amount they would like to purchase, the user is taken to a confirmation 
 screen that displays the purchase amount, the estimated exchange rate of the transaction, and any applicable transaction fees. If a user        
 does not wish to continue with the purchase at the confirmation screen, they can use the back button to leave the page and the spot buy         
 will not be executed. If the user wishes to proceed with the transaction on the basis of the terms displayed, the user can select the           
 “Confirm Purchase” button to execute the spot buy. As soon as the spot buy is confirmed by the user, a series of automated                      
 API requests