Company: CRCL
Filing Date: 2025-04-01
Form Type: S-1
Source: 0001193125-25-070481
Chunk: 12

Company: Circle Internet Group, Inc.
Filing Date: 2025-04-01
Form: S-1
Chunk 12
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 of humanity.

I hope you will join
us on this adventure!

Jeremy Allaire

5

Glossary Definitions We provide this glossary to help those reading this prospectus understand the industry and other technical terms that are used in this prospectus. For many of these terms, there is no generally accepted definition; in this glossary, we present our definition of such terms as used in this prospectus.

| • |     | “API” or “application programming interface” is a software interface for two or more computer programs 
 or components to communicate with each other.                                                          |

| • |     | “blockchain” and “blockchain networks” are systems in which transactions are recorded across computers 
 linked in peer-to-peer (“P2P”) networks.                                                               |

| • |     | “cross-chain transfer protocol” or “CCTP” is a protocol that enables USDC to flow securely between 
 blockchains.                                                                                       |

| • |     | “cryptographic key” is a string of characters used to encrypt and decrypt data. |

| • |     | “cryptography” is the process of encrypting and decrypting data. |

| • |     | “digital wallets” are electronic devices, online services, or software programs that allow one party to make               
 electronic transactions with another party bartering digital currency units for other digital assets, goods, and services. |

| • |     | “distributed computing” is the process by which multiple computers work together to solve computational tasks. |

| • |     | “electronic money token” or “e-money token” means a type of digital asset that purports to maintain a 
 stable value by referencing the value of one official currency.                                       |

| • |     | “FBO account” or “for-the-benefit of account” is an account set up by a company to manage funds titled                                                                                
 for the benefit of certain other persons. In our case, we hold the cash portion of Circle stablecoin reserves at banks in accounts that are titled FBO holders of Circle stablecoins. |

| • |     | “fractional reserve banks” are banks that keep only a fraction of customer deposits in withdrawable funds and            
 make other use of certain customer deposits, such as by lending them to borrowers or investing in financial instruments. |

| • |     | “gas fee” is the fee required to conduct a transaction or execute a contract on a blockchain. |

| • |     | “interoperability” is the ability of different block