Fold Holdings (NASDAQ: FLD) posts S-1 amendment with auditor consents

Rhea-AI Filing Summary

Fold Holdings, Inc. filed a Post-Effective Amendment No. 1 to its Form S-1 registering statement, submitted as an exhibit-only filing under Rule 462(d).

The amendment furnishes auditor consents: Exhibit 23.1 is the consent of CBIZ CPAs P.C. dated March 17, 2026, and Exhibit 23.2 is the consent of Marcum LLP dated March 28, 2025. The amendment consists of the facing page, this explanatory note, Item 16, signature pages and the consents; the prospectus and remaining Part II are unchanged.

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

Registration No. 333-286294

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

___________________________

POST-EFFECTIVE AMENDMENT NO. 1
TO
FORM S-1
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933

___________________________

Fold Holdings, Inc.
(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 Identification No.)

2942 North 24th Street, Suite 115, #42035
Phoenix, Arizona 85016
Telephone: (866) 365-3277
(Address, Including Zip Code, and Telephone Number, Including Area Code, of Registrant’s Principal Executive Offices)

___________________________

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

___________________________

Copies to:

Samuel P. Williams
Ivan Chaykovskiy
Brown Rudnick LLP
One Financial Center
Boston, MA 02111
Telephone: (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:

		Large accelerated filer		☐		Accelerated filer		☐
		Non-accelerated filer		☒		Smaller reporting company		☒
						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 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.

(a) Exhibits

Exhibit No.		Description
23.1*		Consent of CBIZ CPAs P.C.
23.2*		Consent of Marcum LLP

____________

* Filed herewith

II-1

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 17th 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

II-2

FAQ

What did Fold Holdings (FLD) file in this post-effective amendment?

Fold Holdings filed a Post-Effective Amendment No. 1 to its Form S-1 as an exhibit-only filing. It includes auditor consents from CBIZ CPAs P.C. and Marcum LLP and limited registration pages; the prospectus text and most registration content are unchanged.

Which auditor consents are included in the Fold Holdings amendment?

The amendment attaches Exhibit 23.1, the consent of CBIZ CPAs P.C., dated March 17, 2026, and Exhibit 23.2, the consent of Marcum LLP, dated March 28, 2025. Both consents relate to financial statements cited in the prospectus supplement.

Does the amendment change the prospectus or offering terms for FLD?

No. The filing states the prospectus and the balance of Part II of the Registration Statement are unchanged; the amendment is exhibit-only and limited to the facing page, Item 16, signature pages and the two consents.

When does this Post-Effective Amendment become effective?

The amendment is filed to become effective immediately upon filing under Rule 462(d) of the Securities Act. It is described as a post-effective amendment to the Registration Statement on Form S-1 (File No. 333-286294).

Who signed the registration statement on behalf of Fold Holdings?

The registration statement is signed by Will Reeves as Chief Executive Officer and Chairman, and by other officers and directors listed; signatures are dated March 17, 2026, as shown on the signature pages.