# EDGAR Filing Document

**Accession Number:** 0001788882
**File Stem:** 0001104659-25-078232
**Filing Date:** 2025-8
**Character Count:** 25706
**Document Hash:** 553ebd7272a7eabff69033b5fafb5352
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-078232.hdr.sgml**: 20250814

**ACCESSION NUMBER**: 0001104659-25-078232

**CONFORMED SUBMISSION TYPE**: SCHEDULE 13G/A

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20250814

**DATE AS OF CHANGE**: 20250814

**SUBJECT COMPANY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Root, Inc.
- **CENTRAL INDEX KEY:** 0001788882
- **STANDARD INDUSTRIAL CLASSIFICATION:** FIRE, MARINE & CASUALTY INSURANCE [6331]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 842717903
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** SCHEDULE 13G/A
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 005-91816
- **FILM NUMBER:** 251215410

**BUSINESS ADDRESS:**
- **STREET 1:** 80 E RICH STREET
- **STREET 2:** SUITE 500
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43215
- **BUSINESS PHONE:** (866) 980-9431

**MAIL ADDRESS:**
- **STREET 1:** 80 E RICH STREET
- **STREET 2:** SUITE 500
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43215

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Root Stockholdings, Inc.
- **DATE OF NAME CHANGE:** 20190919
**FILED BY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Ribbit Capital IV, L.P.
- **CENTRAL INDEX KEY:** 0001697450

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** E9
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** SCHEDULE 13G/A

**BUSINESS ADDRESS:**
- **STREET 1:** 364 UNIVERSITY AVE.
- **CITY:** PALO ALTO
- **STATE:** CA
- **ZIP:** 94301
- **BUSINESS PHONE:** 650-485-3758

**MAIL ADDRESS:**
- **STREET 1:** 364 UNIVERSITY AVE.
- **CITY:** PALO ALTO
- **STATE:** CA
- **ZIP:** 94301

### UNITED STATES SECURITIES AND EXCHANGE COMMISSION
**Washington, D.C. 20549**

## SCHEDULE 13G

### Under the Securities Exchange Act of 1934

**(Amendment No. 4)**

**Issuer:** Root, Inc.

**Title of Class of Securities:** Class A Common Stock, par value $0.0001 per share

**CUSIP Number:** 77664L207

**Date of Event Which Requires Filing of this Statement:** 06/30/2025

**Check the appropriate box to designate the rule pursuant to which this Schedule is filed:**

- [ ] Rule 13d-1(b)

- [ ] Rule 13d-1(c)

- [x] Rule 13d-1(d)

---

| 1. | Names of Reporting Persons<br>Ribbit Capital IV, L.P. | Names of Reporting Persons<br>Ribbit Capital IV, L.P. |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>E9 | Citizenship or Place of Organization<br>E9 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>996783.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>996783.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>0.00 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>996783.00 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>996783.00 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>7.1% | Percent of Class Represented by Amount in Row (9)<br>7.1% |
| 12. | Type of Reporting Person (See Instructions)<br>PN | Type of Reporting Person (See Instructions)<br>PN |

**Comment for Type of Reporting Person:** Represents (i) 503,800 shares of Class A common stock and (ii) 492,983 shares of Class B common stock directly owned by Ribbit Capital IV, L.P. ("Fund IV") for itself and as nominee for Ribbit Founder Fund IV, L.P. ("FF IV"). Each share of Class B common stock is convertible at any time at the option of the holder into one share of Class A common stock. Ribbit Capital GP IV, L.P. ("GP IV"), the general partner of Fund IV and FF IV, Ribbit Capital GP IV, Ltd. ("UGP IV"), the general partner of GP IV, and Meyer Malka ("Malka"), the sole director of UGP IV, may be deemed to have sole power to vote and dispose of these shares. The percent of class is based upon 13.6 million shares of Class A common stock reported to be outstanding as of June 30, 2025, as set forth in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on August 6, 2025. Assumes the conversion of the Class B common stock held by the Reporting Person into Class A common stock.

---

| 1. | Names of Reporting Persons<br>RT-E Ribbit Opportunity IV, LLC | Names of Reporting Persons<br>RT-E Ribbit Opportunity IV, LLC |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>DE | Citizenship or Place of Organization<br>DE |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>235824.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>235824.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>0.00 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>235824.00 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>235824.00 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>1.7% | Percent of Class Represented by Amount in Row (9)<br>1.7% |
| 12. | Type of Reporting Person (See Instructions)<br>OO | Type of Reporting Person (See Instructions)<br>OO |

**Comment for Type of Reporting Person:** Represents shares of Class B common stock directly owned by RT-E Ribbit Opportunity IV, LLC ("RT-E"). Each share of Class B common stock is convertible at any time at the option of the holder into one share of Class A common stock. GP IV, the managing member of RT-E, UGP IV, the general partner of GP IV, and Malka, the sole director of UGP IV, may be deemed to have sole power to vote and dispose of these shares. The percent of class is based upon 13.6 million shares of Class A common stock reported to be outstanding as of June 30, 2025, as set forth in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on August 6, 2025. Assumes the conversion of the Class B common stock held by the Reporting Person into Class A common stock.

---

| 1. | Names of Reporting Persons<br>Ribbit Capital GP IV, L.P. | Names of Reporting Persons<br>Ribbit Capital GP IV, L.P. |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>E9 | Citizenship or Place of Organization<br>E9 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>1232607.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>1232607.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>0.00 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1232607.00 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1232607.00 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>8.7% | Percent of Class Represented by Amount in Row (9)<br>8.7% |
| 12. | Type of Reporting Person (See Instructions)<br>PN | Type of Reporting Person (See Instructions)<br>PN |

**Comment for Type of Reporting Person:** 503,800 shares of Class A common stock and 492,983 shares of Class B common stock are directly owned by Fund IV for itself and as nominee for FF IV and 235,824 shares of Class B common stock are directly owned by RT-E. Each share of Class B common stock is convertible at any time at the option of the holder into one share of Class A common stock. GP IV, the general partner of Fund IV and FF IV and the managing member of RT-E, UGP IV, the general partner of GP IV and Malka, the sole director of UGP IV, may be deemed to have sole power to vote and dispose of these shares. The percent of class is based upon 13.6 million shares of Class A common stock reported to be outstanding as of June 30, 2025, as set forth in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on August 6, 2025. Assumes the conversion of the Class B common stock held by the Reporting Person into Class A common stock.

---

| 1. | Names of Reporting Persons<br>Ribbit Capital GP IV, Ltd. | Names of Reporting Persons<br>Ribbit Capital GP IV, Ltd. |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>E9 | Citizenship or Place of Organization<br>E9 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>1232607.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>1232607.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>0.00 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1232607.00 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1232607.00 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>8.7% | Percent of Class Represented by Amount in Row (9)<br>8.7% |
| 12. | Type of Reporting Person (See Instructions)<br>OO | Type of Reporting Person (See Instructions)<br>OO |

**Comment for Type of Reporting Person:** 503,800 shares of Class A common stock and 492,983 shares of Class B common stock are directly owned by Fund IV for itself and as nominee for FF IV and 235,824 shares of Class B common stock are directly owned by RT-E. Each share of Class B common stock is convertible at any time at the option of the holder into one share of Class A common stock. UGP IV is the general partner of GP IV, which is the general partner of Fund IV and FF IV and the managing member of RT-E, and Malka, the sole director of UGP IV, may be deemed to have sole power to vote and dispose of these shares. The percent of class is based upon 13.6 million shares of Class A common stock reported to be outstanding as of June 30, 2025, as set forth in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on August 6, 2025. Assumes the conversion of the Class B common stock held by the Reporting Person into Class A common stock.

---

| 1. | Names of Reporting Persons<br>Bullfrog Capital, L.P. | Names of Reporting Persons<br>Bullfrog Capital, L.P. |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>E9 | Citizenship or Place of Organization<br>E9 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>0.00 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>0.00 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>0.00 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>0.0% | Percent of Class Represented by Amount in Row (9)<br>0.0% |
| 12. | Type of Reporting Person (See Instructions)<br>PN | Type of Reporting Person (See Instructions)<br>PN |

---

| 1. | Names of Reporting Persons<br>Bullfrog Capital GP, L.P. | Names of Reporting Persons<br>Bullfrog Capital GP, L.P. |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>E9 | Citizenship or Place of Organization<br>E9 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>0.00 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>0.00 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>0.00 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>0.0% | Percent of Class Represented by Amount in Row (9)<br>0.0% |
| 12. | Type of Reporting Person (See Instructions)<br>PN | Type of Reporting Person (See Instructions)<br>PN |

---

| 1. | Names of Reporting Persons<br>Bullfrog Capital GP, Ltd. | Names of Reporting Persons<br>Bullfrog Capital GP, Ltd. |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>E9 | Citizenship or Place of Organization<br>E9 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>0.00 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>0.00 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>0.00 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>0.0% | Percent of Class Represented by Amount in Row (9)<br>0.0% |
| 12. | Type of Reporting Person (See Instructions)<br>OO | Type of Reporting Person (See Instructions)<br>OO |

---

| 1. | Names of Reporting Persons<br>Meyer Malka | Names of Reporting Persons<br>Meyer Malka |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>X1 | Citizenship or Place of Organization<br>X1 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>1232607.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>0.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>1232607.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>0.00 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1232607.00 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1232607.00 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>8.7% | Percent of Class Represented by Amount in Row (9)<br>8.7% |
| 12. | Type of Reporting Person (See Instructions)<br>IN | Type of Reporting Person (See Instructions)<br>IN |

**Comment for Type of Reporting Person:** 503,800 shares of Class A common stock and 492,983 shares of Class B common stock are directly owned by Fund IV for itself and as nominee for FF IV and 235,824 shares of Class B common stock are directly owned by RT-E. Each share of Class B common stock is convertible at any time at the option of the holder into one share of Class A common stock. Malka is the sole director of UGP IV, which is the general partner of GP IV, which is the general partner of Fund IV and FF IV and the managing member of RT-E and may be deemed to have sole power to vote and dispose of these shares. The percent of class is based upon 13.6 million shares of Class A common stock reported to be outstanding as of June 30, 2025, as set forth in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on August 6, 2025. Assumes the conversion of the Class B common stock held by the Reporting Person into Class A common stock.

---

**Item 1(a). Name of Issuer:**
Root, Inc.

**Item 1(b). Address of Issuer's Principal Executive Offices:**
80 E. Rich Street, Suite 500 Columbus, OH, 43215

**Item 2(a). Name of Person Filing:**
This Schedule 13G is filed by Ribbit Capital IV, L.P., a Cayman Islands exempted limited partnership ("Fund IV"), RT-E Ribbit Opportunity IV, LLC, a Delaware limited liability company ("RT-E"), Ribbit Capital GP IV, L.P., a Cayman Islands exempted limited partnership ("GP IV"), Ribbit Capital GP IV, Ltd., a Cayman Islands limited company ("UGP IV"), Bullfrog Capital, L.P., a Cayman Islands exempted limited partnership ("BF Fund"), Bullfrog Capital GP, L.P., a Cayman Islands exempted limited partnership ("BF GP"), Bullfrog Capital GP, Ltd., a Cayman Islands limited company ("BF UGP") and Meyer Malka ("Malka"). The foregoing entities and individuals are collectively referred to as the "Reporting Persons."

**Item 2(b). Address of Principal Business Office:**
The address for each of the Reporting Persons is:
c/o Ribbit Capital Management
364 University Avenue
Palo Alto, California 94301

**Item 2(c). Citizenship:**
The citizenship or place of organization of each of the Reporting Persons is set forth on such Reporting Person's cover page.

**Item 2(d). Title of Class of Securities:**
Class A Common Stock, par value $0.0001 per share

**Item 2(e). CUSIP Number:**
77664L207

**Item 3. If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:**

(a) [ ] Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o).

(b) [ ] Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c).

(c) [ ] Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c).

(d) [ ] Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8).

(e) [ ] An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);

(f) [ ] An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);

(g) [ ] A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);

(h) [ ] A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);

(i) [ ] A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);

(j) [ ] A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), if filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:

(k) [ ] Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).

**Item 4. Ownership:**

**(a) Amount beneficially owned:**

See Row 9 of cover page for each Reporting Person.

**(b) Percent of class:**

See Row 11 of cover page for each Reporting Person.

**(c) Number of shares as to which the person has:**

**(i) Sole power to vote or to direct the vote:**

See Row 5 of cover page for each Reporting Person.

**(ii) Shared power to vote or to direct the vote:**

See Row 6 of cover page for each Reporting Person.

**(iii) Sole power to dispose or to direct the disposition of:**

See Row 7 of cover page for each Reporting Person.

**(iv) Shared power to dispose or to direct the disposition of:**

See Row 8 of cover page for each Reporting Person.

**Item 5. Ownership of Five Percent or Less of a Class.**

[x] If this statement is being filed to report the fact that as of the date hereof the reporting person has ceased to be the beneficial owner of more than five percent of the class of securities, check the following.

**Item 6. Ownership of More than 5 Percent on Behalf of Another Person.**

Ribbit Founder Fund IV, L.P. ("FF IV") and Bullfrog Founder Fund, L.P. ("BF FF") have ownership interests in the shares held directly by Fund IV and BF Fund, respectively, but do not own shares of Common Stock directly and do not have voting or dispositive power over the shares of Common Stock held directly by Fund IV or BF Fund. Under certain circumstances, set forth in the limited partnership agreements of Fund IV, FF IV, GP IV, BF Fund, BF FF and BF GP, the limited liability company agreement of RT-E and the memorandum and articles of association of UGP IV and BF UGP, the general and limited partners, members or directors, as the case may be, of each of such entities may be deemed to have the right to receive dividends from, or the proceeds from, the sale of shares of the Issuer directly or indirectly owned by each such entity of which they are a general partner, limited partner, member or director.

**Item 7. Identification and Classification of the Subsidiary**

Not Applicable

**Item 8. Identification and Classification of Members of the Group**

Not Applicable

**Item 9. Notice of Dissolution of Group**

Not Applicable

**Item 10. Certification:**

—

### SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

**Ribbit Capital IV, L.P.**

**Date:** 08/14/2025

**By:** /s/ Meyer Malka

**Name & Title:** Meyer Malka, Director of General Partner of General Partner

**RT-E Ribbit Opportunity IV, LLC**

**Date:** 08/14/2025

**By:** /s/ Meyer Malka

**Name & Title:** Meyer Malka, Director of General Partner of Managing Member

**Ribbit Capital GP IV, L.P.**

**Date:** 08/14/2025

**By:** /s/ Meyer Malka

**Name & Title:** Meyer Malka, Director of General Partner

**Ribbit Capital GP IV, Ltd.**

**Date:** 08/14/2025

**By:** /s/ Meyer Malka

**Name & Title:** Meyer Malka, Director

**Bullfrog Capital, L.P.**

**Date:** 08/14/2025

**By:** /s/ Meyer Malka

**Name & Title:** Meyer Malka, Director of General Partner of General Partner

**Bullfrog Capital GP, L.P.**

**Date:** 08/14/2025

**By:** /s/ Meyer Malka

**Name & Title:** Meyer Malka, Director of General Partner

**Bullfrog Capital GP, Ltd.**

**Date:** 08/14/2025

**By:** /s/ Meyer Malka

**Name & Title:** Meyer Malka, Director

**Meyer Malka**

**Date:** 08/14/2025

**By:** /s/ Meyer Malka

**Name & Title:** Meyer Malka