Fold Holdings (NASDAQ: FLD) registers 9.28M shares; conditional credit card launch

Rhea-AI Filing Summary

Fold Holdings, Inc. registers up to 9,282,287 shares of common stock via a prospectus supplement dated March 4, 2026.

The supplement incorporates a Form 8-K disclosure describing an anticipated consumer credit card launch that the company says is expected "in the coming weeks," subject to "successful negotiation with, and sign-off on the credit card launch by, our necessary third-party service providers." The supplement also cites last reported Nasdaq prices of $1.48 per share and $0.12 per warrant as of March 3, 2026.

Insights

Product Strategy Analyst

Registration increases available shares while the company details a conditional credit-card launch.

Fold lists up to 9,282,287 shares in a prospectus supplement dated March 4, 2026, updating its S-1 and attaching a Form 8-K describing an anticipated credit card launch.

The company states the launch timing is "dependent, among other things, on successful negotiation with, and sign-off on the credit card launch by, our necessary third-party service providers." Execution and timing therefore rely on third-party agreements; subsequent filings may disclose contractual terms or launch confirmation.

Filed pursuant to Rule 424(b)(3)

Registration No. 333-288623

PROSPECTUS SUPPLEMENT NO. 10

(to Prospectus dated August 11, 2025)

Fold Holdings, Inc.

Up to 9,282,287 Shares of Common Stock

This prospectus supplement updates, amends and supplements the prospectus dated August 11, 2025 (as supplemented or amended from time to time, the “Prospectus”), which forms a part of our registration statement on Form S-1 (No. 333-288623). Capitalized terms used in this prospectus supplement and not otherwise defined herein have the meanings specified in the Prospectus.

This prospectus supplement is being filed to update and supplement the information in the Prospectus with the information contained in our Current Report on Form 8-K filed with the Securities and Exchange Commission on March 4, 2026 (the “Current Report”). Accordingly, we have attached the Current Report to this prospectus supplement.

This prospectus supplement updates and supplements the information in the Prospectus and is not complete without, and may not be delivered or utilized except in combination with, the Prospectus, including any amendments or supplements thereto. This prospectus supplement should be read in conjunction with the Prospectus and if there is any inconsistency between the information in the Prospectus and this prospectus supplement, you should rely on the information in this prospectus supplement.

Our Common Stock and Warrants are listed on the Nasdaq Stock Market LLC under the symbols “FLD” and “FLDDW,” respectively. The last reported sales price of our Common Stock and Warrants on the Nasdaq Stock Market LLC on March 3, 2026 were $1.48 per share of Common Stock and $0.12 per Warrant.

Investing in our securities involves a high degree of risk. See “Risk Factors” beginning on page 7 of the Prospectus and other risk factors contained in the documents incorporated by reference therein, to read about factors you should consider before buying our securities.

Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or determined if this prospectus supplement or the Prospectus is truthful or complete. Any representation to the contrary is a criminal offense.

The date of this prospectus supplement is March 4, 2026.

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): March 4, 2026

Fold Holdings, Inc.

(Exact name of registrant as specified in its charter)

Delaware		001-41168		86-2170416
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

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2942 North 24th Street, Suite 115, #42035 Phoenix, Arizona			85016
(Address of principal executive offices)			(Zip Code)

(866) 365-3277

Registrant’s telephone number, including area code

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class		Trading Symbol(s)		Name of Each Exchange on Which Registered
Common stock, par value $0.0001 per share		FLD		Nasdaq Capital Market
Warrants, each whole warrant exercisable for one share of common stock at an exercise price of $11.50 per share		FLDDW		Nasdaq Capital Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☒

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 13(a) of the Exchange Act. ☐

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Item 7.01 Regulation FD Disclosure.

On March 4, 2026, Fold Holdings, Inc. (the "Company", "we", "our", or "us") made a post on X regarding our anticipated upcoming credit card. This filing is being made to elaborate on that post. We currently anticipate that the credit card will be launched in the coming weeks, dependent, among other things, on successful negotiation with, and sign-off on the credit card launch by, our necessary third-party service providers. We cannot guarantee that the credit card will be launched in the time period indicated, or at all.

The information contained in Item 7.01 of this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as expressly provided by specific reference in such a filing.

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SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	FOLD HOLDINGS, INC.
	By:	/s/ Will Reeves
		Name:	Will Reeves
		Title:	Chief Executive Officer
Dated: March 4, 2026

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FAQ

What does Fold Holdings' prospectus supplement register?

It registers up to 9,282,287 shares of common stock via a prospectus supplement dated March 4, 2026. The supplement amends the S-1 and incorporates a Form 8-K disclosure.

What operational update did Fold disclose on March 4, 2026?

Fold disclosed an anticipated consumer credit card launch expected "in the coming weeks," contingent on third-party negotiations and sign-off by necessary service providers, per the Form 8-K attached to the supplement.

What were Fold's last reported Nasdaq prices referenced in the supplement?

The supplement cites last reported prices of $1.48 per common share and $0.12 per warrant on March 3, 2026, as disclosed in the prospectus supplement.

Does the prospectus supplement guarantee the credit card launch?

No. The company states it "cannot guarantee that the credit card will be launched in the time period indicated, or at all." Launch timing is conditional on third-party agreements and approvals.

Is the Form 8-K disclosure considered "filed" under the Exchange Act?

The company states the Item 7.01 disclosure "shall not be deemed 'filed' for purposes of Section 18 of the Exchange Act," and is not incorporated by reference except as expressly provided in other filings.