Company: FLDDW
Filing Date: 2025-04-11
Form Type: 424B3
Source: 0001213900-25-031004
Chunk: 8

Company: Fold Holdings, Inc.
Filing Date: 2025-04-11
Form: 424B3
Chunk 8
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 these cautionary statements.

<div align='center'>iii

PROSPECTUS
SUMMARY</div>

This summary highlights, and is qualified in its entirety by, the more detailed information and financial statements included elsewhere in this prospectus. This summary does not contain all of the information that may be important to you in making your investment decision. You should read this entire prospectus carefully, especially the “Risk Factors” section beginning on page 6 and our consolidated financial statements and the related notes appearing at the end of this prospectus, before deciding to invest in our Common Stock or Warrants.

Overview

Founded in 2019, Fold is a bitcoin financial services company dedicated
to expanding access to bitcoin through a comprehensive suite of consumer financial services. The Company was formed with the purpose of
creating a modern financial services platform that allows customers to earn, accumulate, and utilize bitcoin in their everyday life. The
Company offers consumers an FDIC insured checking account through Sutton Bank, a prepaid Visa debit card, bill payments, and an extensive
catalog of merchant reward offers. The Company also offers various forms of bitcoin buying and selling with low-to-zero fees and instant
withdrawals. By integrating bitcoin across traditional financial services, the Company acts as a key point of entry for consumers to engage
with and integrate bitcoin into their everyday lives. The Company’s products and services are available in the United States through
the Fold mobile app.

The Business Combination

On July 24, 2024, the Company
entered into an Agreement and Plan of Merger (the “Merger Agreement”), with EMLD Merger Sub, Inc., a direct, wholly owned
subsidiary of FTAC Emerald (“Merger Sub”) and Legacy Fold, pursuant to which Merger Sub would merge with and into Legacy Fold,
with Legacy Fold surviving the merger as a wholly owned subsidiary of the Company (the “Business Combination” and, together
with the other transactions contemplated by the Merger Agreement, the “Transactions”).

On February 14, 2025 (the “Closing
Date”), pursuant to the Merger Agreement, Merger Sub merged with and into Legacy Fold, with Legacy Fold surviving the merger as
a wholly owned subsidiary of the Company (the “Closing”).

In connection with Closing, we
changed our name to Fold Holdings, Inc. While we are the legal acquirer of Legacy Fold in the Business Combination, Legacy Fold is deemed
to be the accounting acquirer, and the historical financial statements of Legacy Fold became the