Company: FLDDW
Filing Date: 2025-04-11
Form Type: 424B3
Source: 0001213900-25-031004
Chunk: 77

Company: Fold Holdings, Inc.
Filing Date: 2025-04-11
Form: 424B3
Chunk 77
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legal and regulatory criteria depending on the nature of such relationship, including the counterparties’ reputation, operating
results and financial condition, operational ability to satisfy our and our customers’ needs in a timely manner, efficiency and
reliability of systems, certifications costs to us or to our customers, and licensure and compliance status. Despite this evaluation,
third parties may still not meet our or our customers’ needs which may adversely affect our ability to deliver products and services
to customers, may adversely impact our business, operating results, and financial condition. Counterparties to any strategic relationship
may have economic or business interests or goals that are, or that may become, inconsistent with our business interests or goals, and
may subject us to additional risks to the extent such third party becomes the subject of negative publicity, faces its own litigation
or regulatory challenges, or faces other adverse circumstances. Conflicts may arise with our strategic partners, such as the interpretation
of significant terms under any agreement, which may result in litigation or arbitration which would increase our expenses and divert the
attention of our management. If we are unsuccessful in establishing or maintaining strategic relationships with third parties, our ability
to compete in the marketplace or to grow our revenue could be impaired and our business, operating results, and financial condition could
be adversely affected.

We currently rely on
third-party service providers for certain aspects of our operations, and any interruptions in services provided by these third parties
may impair our ability to support our customers.

We rely on third parties in connection
with many aspects of our business, including payment processors, banks, and payment gateways to process transactions; cloud computing
services and data centers that provide facilities, infrastructure, website functionality and access, components, and services, including
databases and data center facilities and cloud computing; as well as third parties that provide outsourced customer service, compliance
support and product development functions, which are critical to our operations. Because we rely on third parties to provide these services
and to facilitate certain of our business activities, we face increased operational risks. We do not directly manage the operation of
any of these third parties, including their data center facilities that we use. These third parties may be subject to financial, legal,
regulatory, and labor issues, cybersecurity incidents, data theft or loss, break-ins, computer viruses or vulnerabilities in their code,
denial-of-service attacks, sabotage, acts of vandalism, loss, disruption, or instability of third-party banking relationships, privacy
breaches, service termin