Company: CRCL
Filing Date: 2025-05-27
Form Type: S-1/A
Source: 0001193125-25-126208
Chunk: 12

Company: Circle Internet Group, Inc.
Filing Date: 2025-05-27
Form: S-1/A
Chunk 12
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-scale reach for consumers and
businesses—and a set of software protocols for developers to build and integrate into their own applications. Our business model and technology benefits from network effects that are similar to other leading internet platforms.

At the same time, we’re building a robust set of financial market infrastructures against a backdrop of constantly evolving regulations. We take pride in our
regulatory-first posture in which we prioritize compliance with applicable regulations and our engagement with regulators and policymakers to facilitate designing and tailoring appropriate regulation for our industry.

This is going to be an adventure

If you’re joining us as an investor
and shareholder, I want to also share something that I’ve shared with every single employee and investor that we’ve ever had.

What we’re doing is not
easy given the complexity of navigating an evolving ecosystem where innovative technology and highly regulated, legacy financial services are intersecting in ways that will give rise to challenges and uncertainties. Building a new internet financial
system, creating major new infrastructure for money and economic activity, shaping and responding to policy, and operating this infrastructure in a complex global macro environment—well, it’s hard. It’s complex and difficult, and will
challenge you every day. But it is also an exciting financial and technological adventure.

We have a crystal clear vision of what a future internet financial system
can bring to the world. If we achieve that vision, we believe Circle investors will be rewarded but you will also improve the lot 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. |

| • |     |