Company: FLDDW
Filing Date: 2025-01-14
Form Type: S-4/A
Source: 0001213900-25-003167
Chunk: 350

Company: Fold Holdings, Inc.
Filing Date: 2025-01-14
Form: S-4/A
Chunk 350
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 current customers and attract new customers to our platform. In 2024 and 2025, we will build on this success by expanding our existing offerings to further engage our existing users, and we plan to introduce several new products to capture new customer segments. Here is how we intend to continue our momentum: Product strategy In addition to ACH bill payments, we are planning the upcoming release of multiple products and features over the second half of 2024. Within our banking and payments program we expect to launch joint accounts — the ability for users to add authorized users to their existing accounts (i.e. add a family member to your Fold Card). Within our custody and trading program we expect to continue to add users from new states where we have not previously supported access, open our exchange product to non -Foldcardholders, and add support for larger orders via an OTC desk service. We anticipate that each of these releases will further enhance our existing market position and to drive increased volumes across the platform. Historically, the holiday shopping season drives significantly higher transaction volume on Fold’s platform and we are well positioned to capture that increased demand. Growth Strategy We intend to grow our Fold customer base and transaction volume through increased investment into organic and paid marketing channels that have proven successful to date. Fold will continue to leverage our active social media channels, education, and customer referral system to drive maximum growth via organic channels, and we expect to invest significant marketing dollars into high -impactpaid user acquisition channels. While we believe our existing channels will continue to play a critical role in sustaining our growth trajectory, to further accelerate expansion we plan to increase investments in paid marketing and affiliate opportunities beginning in Q4 2024. Bitcoin treasury strategy As part of our bitcoin treasury investment strategy, Fold will continue to pursue additional bitcoin accumulation opportunities over the near term. We believe existing macro conditions to be favorable towards adding additional bitcoin to our balance sheet at current market prices. Key operating metrics We collect and analyze operating and financial data to evaluate the health of our business, allocate our resources, and assess our performance. In addition to certain GAAP metrics, we also monitor various non -GAAPmeasures to evaluate our business. We believe the following metrics and measures are useful to facilitate period -to-periodcomparisons of our business and to facilitate comparisons of our performance to that of other financial service providers. Where applicable we have provided definitions of metrics we consider key to our operations below. Accounts •Active Accounts represent current Fold accounts that have not been deactivated by Fold or the user; and •Verified