Fold Holdings (FLD) CFO granted 482,289 restricted stock units in Form 4

Rhea-AI Filing Summary

Fold Holdings, Inc. Chief Financial Officer Wolfe Repass reported a compensation-related equity grant. He acquired 482,289 shares of Common Stock at a price of $0.00 per share, representing shares issuable upon vesting of restricted stock units.

Following this grant, his directly held position increased to 727,930 shares of Common Stock. The transaction is classified as a grant or award rather than an open-market purchase or sale, reflecting equity-based compensation rather than a cash transaction in the market.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Repass Wolfe

Role Chief Financial Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	482,289	$0.00	--

Holdings After Transaction: Common Stock — 727,930 shares (Direct)

Footnotes (1)

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Key Figures

Equity grant size: 482,289 shares Grant price per share: $0.00 per share Shares held after grant: 727,930 shares

3 metrics

Equity grant size 482,289 shares Restricted stock units representing Common Stock granted to CFO

Grant price per share $0.00 per share Exercise/award price for restricted stock unit grant

Shares held after grant 727,930 shares Total Common Stock beneficially owned directly by CFO after transaction

Key Terms

restricted stock units, Common Stock, Grant, award, or other acquisition, beneficially own

4 terms

restricted stock units financial

"Represents shares of Common Stock issuable upon vesting of restricted stock units."

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

Common Stock financial

"Represents shares of Common Stock issuable upon vesting of restricted stock units."

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

Grant, award, or other acquisition financial

"transaction_code_description: Grant, award, or other acquisition"

beneficially own financial

"Following this grant, his directly held position increased to 727,930 shares of Common Stock."

Beneficially own means having the economic rights and risks of a security—such as the right to receive dividends, sell the shares, or profit from price changes—whether or not your name appears on the official share register. Think of it like renting a car: you use it and reap the benefits even if the title lists someone else. Investors care because beneficial ownership determines who truly controls value, must be disclosed under securities rules, and can signal potential influence or trading activity that affects a stock’s price.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Repass Wolfe

(Last) (First) (Middle)

2942 NORTH 24TH ST, SUITE 115, #42035

(Street)

PHOENIX ARIZONA 85016

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
Fold Holdings, Inc. [ FLD ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Financial Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
04/10/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	04/10/2026		A		482,289(1)	A	$0	727,930	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Represents shares of Common Stock issuable upon vesting of restricted stock units.

Remarks:

Exhibit 24 - Power of Attorney (incorporated by reference to the Power of Attorney filed as Exhibit 24 to the Form 4 filed by Mr. Repass on February 20, 2026).

	/s/ Audrey Bartosh, Attorney-in-Fact	04/14/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transaction did Fold Holdings (FLD) report for its CFO?

Fold Holdings reported that CFO Wolfe Repass received an equity grant of 482,289 shares of Common Stock as a compensation award, at $0.00 per share, represented by restricted stock units that will deliver shares upon vesting.

Was the FLD CFO Form 4 transaction a market purchase or sale?

The Form 4 transaction was not a market purchase or sale. It was a grant or award of 482,289 restricted stock units at $0.00 per share, reflecting stock-based compensation rather than trading in the open market.

How many Fold Holdings (FLD) shares does the CFO hold after this award?

After the award, CFO Wolfe Repass is reported to beneficially own 727,930 shares of Fold Holdings Common Stock directly. This total includes the newly awarded 482,289 restricted stock units that will convert into shares as they vest over time.

What does the restricted stock unit grant mean for FLD’s CFO?

The restricted stock unit grant gives the CFO the right to receive 482,289 shares of Common Stock as the units vest. He pays no exercise price, aligning part of his compensation with the company’s equity performance over the vesting schedule.

What is the transaction code used in the FLD CFO Form 4 filing?

The transaction code is “A,” which denotes a grant, award, or other acquisition. This confirms the 482,289-share transaction is a compensation grant of restricted stock units, not an open-market buy or sell by the Fold Holdings CFO.