# EDGAR Filing Document

**Accession Number:** 0001889123
**File Stem:** 0001213900-26-029256
**Filing Date:** 2026-3
**Character Count:** 9143
**Document Hash:** a9e9dc7c5971724295ce15e1f1f6377f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-26-029256.hdr.sgml**: 20260317

**ACCESSION NUMBER**: 0001213900-26-029256

**CONFORMED SUBMISSION TYPE**: POS AM

**PUBLIC DOCUMENT COUNT**: 3

**FILED AS OF DATE**: 20260317

**DATE AS OF CHANGE**: 20260317

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Fold Holdings, Inc.
- **CENTRAL INDEX KEY:** 0001889123
- **STANDARD INDUSTRIAL CLASSIFICATION:** FINANCE SERVICES [6199]
- **ORGANIZATION NAME:** 09 Crypto Assets
- **EIN:** 862170416
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** POS AM
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-286294
- **FILM NUMBER:** 26763650

**BUSINESS ADDRESS:**
- **STREET 1:** 2929 ARCH ST., ,SUITE 1703
- **CITY:** PHILADELPHIA
- **STATE:** PA
- **ZIP:** 19103
- **BUSINESS PHONE:** 215-701-9555

**MAIL ADDRESS:**
- **STREET 1:** 2929 ARCH ST., ,SUITE 1703
- **CITY:** PHILADELPHIA
- **STATE:** PA
- **ZIP:** 19103

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** FTAC Emerald Acquisition Corp.
- **DATE OF NAME CHANGE:** 20211116

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Emerald ESG Acquisition Corp
- **DATE OF NAME CHANGE:** 20211019

#### As filed with the U.S. Securities and Exchange Commission on March 17, 2026

#### Registration No. 333-286294

#### UNITED STATES<br>SECURITIES AND EXCHANGE COMMISSION<br>Washington, D.C. 20549
**___________________________**

#### POST-EFFECTIVE AMENDMENT NO. 1<br>TO<br>FORM S-1<br>REGISTRATION STATEMENT<br> UNDER<br>THE SECURITIES ACT OF 1933
**___________________________**

#### Fold Holdings, Inc. <br>(Exact Name of Registrant as Specified in its Charter)
**___________________________**

---

| | | |
|:---|:---|:---|
|  **Delaware** | **6199** | **86-2170416** |
|  **(State or Other Jurisdiction of Incorporation or Organization)** | **(Primary Standard Industrial Classification Code No.)** | **(I.R.S. Employer<br>Identification No.)** |

---

#### 2942 North 24 <sup>th</sup> Street, Suite 115, #42035<br>Phoenix, Arizona 85016<br>Telephone: (866) 365-3277<br>(Address, Including Zip Code, and Telephone Number, Including Area Code, of Registrant's Principal Executive Offices)
**___________________________**

**Will Reeves<br>Chief Executive Officer<br>2942 North 24<sup>th</sup> Street, Suite 115, #42035<br>Phoenix, Arizona 85016<br>Telephone: (866) 365-3277<br>(Name, Address, Including Zip Code, and Telephone Number, Including Area Code, of Agent for Service)**

**___________________________**

#### Copies to:

#### Samuel P. Williams<br>Ivan Chaykovskiy<br>Brown Rudnick LLP<br>One Financial Center<br>Boston, MA 02111<br>Telephon e: (617) 856-8200
**___________________________**

**Approximate date of commencement of proposed sale to the public: From time to time after the effective date of this Registration Statement.**

If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule 415 under the Securities Act of 1933, check the following box. ☒

If this Form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act, please check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. ☐

If this Form is a post-effective amendment filed pursuant to Rule 462(c) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. ☐

If this Form is a post-effective amendment filed pursuant to Rule 462(d) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. ☒

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, anon-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company" and "emerging growth company" in Rule 12b-2 under the Exchange Act:

    <u> Large accelerated filer </u>   <u> ☐ </u>   <u> Accelerated filer </u>   <u> ☐ </u> <br>     <u> Non-accelerated filer </u>   <u> ☒ </u>   <u> Smaller reporting company </u>   <u> ☒ </u> <br>             <u> Emerging growth company </u>   <u> ☒ </u>

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act. ☐

**This Post**-Effective **Amendment No. 1 to the Registration Statement shall become effective immediately upon filing with the Securities and Exchange Commission in accordance with Rule 462(d) under the Securities Act, as amended.**

------

#### EXPLANATORY NOTE
This Post-Effective Amendment No. 1 (this "Amendment") to the Registration Statement on Form S-1 of Fold Holdings, Inc. (File No. 333-286294), initially filed on April 1, 2025 and declared effective by the Securities and Exchange Commission (the "SEC") on April 10, 2025 (as amended, the "Registration Statement"), is being filed as an exhibit-only filing solely to file a consent of (i) CBIZ CPAs P.C., filed herewith as Exhibit 23.1, with respect to its report dated March 17, 2026 relating to the financial statements of Fold Holdings, Inc. for the year ended December 31, 2025 contained in the Annual Report on Form 10-K for the year ended December 31, 2025 (the "2025 10-K") and included in the Prospectus Supplement No. 21 dated March 17, 2026 filed pursuant to Rule 424(b)(3), and (ii) Marcum LLP, filed herewith as Exhibit 23.2, with respect to its report dated March 28, 2025 relating to the financial statements of Fold Holdings, Inc. for the year ended December 31, 2024 contained in the 2025 10-K and included in the Prospectus Supplement No. 21 dated March 17, 2026 filed pursuant to Rule 424(b)(3) (together, the "Consents"). Accordingly, this Amendment consists only of the facing page, this explanatory note, Item 16 of Part II of the Registration Statement, the signature pages to the Registration Statement, and the Consents. The prospectus and the balance of Part II of the Registration Statement are unchanged hereby and have been omitted.

------

#### Part II — INFORMATION NOT REQUIRED IN PROSPECTUS

#### Item 16. Exhibits and Financial Statement Schedules.
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Exhibits

---

| | |
|:---|:---|
|  **Exhibit No.** | **Description** |
|  23.1\* | [Consent of CBIZ CPAs P.C.](ea028202201ea23-1.htm) |
|  23.2\* | [Consent of Marcum LLP](ea028202201ea23-2.htm) |

---

____________

\* Filed herewith

#### SIGNATURES
Pursuant to the requirements of the Securities Act of 1933, the registrant has duly caused this Registration Statement to be signed on its behalf by the undersigned hereunto duly authorized, on this 17<sup>th</sup> day of March, 2026.

---

| |
|:---|
|  **FOLD HOLDINGS, INC.** |
|  /s/ Will Reeves |
|  Name: Will Reeves |
|  Title: Chief Executive Officer |

---

Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed by the following persons in the capacities and on the dates indicated.

---

| | | |
|:---|:---|:---|
|  **Signature** | **Position** | **Date** |
|  /s/ Will Reeves | Chief Executive Officer and Chairman | March 17, 2026 |
|  Will Reeves | (*Principal Executive Officer*) |  |
|  /s/ Wolfe Repass | Chief Financial Officer | March 17, 2026 |
|  Wolfe Repass | (*Principal Financial Officer & Principal Accounting Officer*) |  |
|  \* | Director | March 17, 2026 |
|  Lesley Goldwasser |  |  |
|  \* | Director | March 17, 2026 |
|  Kirstin Hill |  |  |
|  \* | Director | March 17, 2026 |
|  Andrew Hohns |  |  |
|  \* | Director | March 17, 2026 |
|  Jonathan Kirkwood |  |  |
|  \* | Director | March 17, 2026 |
|  Erez Simha |  |  |
|  \* | Director | March 17, 2026 |
|  Bracebridge H. Young, Jr. |  |  |

---

---

| | |
|:---|:---|
|  \*By: | /s/ Will Reeves |
|  | Will Reeves, Attorney-in-Fact |

---

## Exhibit 23.1

**Exhibit 23.1**

**<u>CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</u>**

We consent to the incorporation by reference in this Registration Statement on Form S-1 (File No 333-286294) of our report dated March 17, 2026, relating to the financial statements of Fold Holdings, Inc. included in the Prospectus Supplement, which is part of this Registration Statement.

/s/ CBIZ CPAs P.C.

New York, NY

March 17, 2026

## Exhibit 23.2

**Exhibit 23.2**

**<u>CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</u>**

We consent to the incorporation by reference in this Registration Statement on Form S-1 (File No 333-286294) of our report dated March 28, 2025, relating to the financial statements of Fold Holdings, Inc. included in the Prospectus Supplement, which is part of this Registration Statement.

/s/ Marcum llp

New York, NY

March 17, 2026