Company: FLDDW
Filing Date: 2025-04-11
Form Type: 424B3
Source: 0001213900-25-031004
Chunk: 153

Company: Fold Holdings, Inc.
Filing Date: 2025-04-11
Form: 424B3
Chunk 153
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 solutions for digital assets, specializing in multi-signature wallets and cold storage services for bitcoin. Additional information
with respect to the Bitcoin Service Providers’ respective qualifications under applicable law can be found online at https://fortresstrust.com/licenses,
with respect to Fortress, and https://www.bitgo.com/company/licenses, with respect to BitGo. Fold does not directly hold or control
any of its customers’ digital assets.

Merchant Networks — Fold
partners with a number of merchant offer wholesalers and direct merchant relationships to offer gift cards, card-linked offers, and other
affiliate offers from time to time. Fold has established an extensive partnership network across multiple vendors to provide customers
with an extensive number and quality of merchant offers, and we regularly review new and existing partnerships to optimize our offers
network.

Our Strategy

First Mover Advantage

Fold has identified what we believe
to be a unique opportunity in the market to provide bitcoin-native specialty financial services that are currently underrepresented by
incumbent financial service providers. Fold’s products are built on bitcoin, for bitcoiners, by bitcoiners. In contrast to exchanges
with hundreds of cryptocurrencies, capital-intensive mining businesses, and high-fee ETFs, Fold provides a user-friendly, low-barrier
entry point to bitcoin via financial products that users are already familiar with. Our product offerings are also diverse, offering customers
more utility than just an exchange product.

As an early entrant to this space
and the first company to launch a bitcoin rewards debit card program, Fold has accumulated proprietary data on customer spending, saving,
investing, and product needs that can be leveraged for further penetration within our existing user base as well as to expand into new
customer demographics. We have invested significant resources to form deep relationships with partners, customers, and industry participants
while building a reputable brand name in the bitcoin market.

Bitcoin Treasury &
Accumulation Strategy

In addition to our core operating
business, Fold has adopted a bitcoin treasury strategy that aligns our corporate goals with the products we offer to our customers. We
consider bitcoin to be an important strategic reserve asset that, due to its finite fixed supply, has the ability to mitigate inflationary
trends. Bitcoin is a unique store of value with a finite fixed supply, which we believe provides price appreciation potential for bitcoin
in both the near- and long-term. We believe that the adoption tailwinds powering bitcoin’s growth over the last 15 years will
continue with potential to accelerate, providing attractive value growth opportunities.

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