Fold Holdings (FLD) CTO granted 211,048 RSU-linked Common Stock shares

Rhea-AI Filing Summary

Dickman Thomas J reported acquisition or exercise transactions in this Form 4 filing.

Fold Holdings, Inc. Chief Technology Officer Thomas J. Dickman received a grant of 211,048 shares of Common Stock on April 10, 2026, at a stated price of $0.00 per share. A footnote explains these shares are issuable upon vesting of restricted stock units, indicating they will be delivered over time as vesting conditions are met. Following this award, Dickman directly holds a total of 543,381 shares of Common Stock.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Dickman Thomas J

Role Chief Technology Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	211,048	$0.00	--

Holdings After Transaction: Common Stock — 543,381 shares (Direct)

Footnotes (1)

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Key Figures

Shares granted: 211,048 shares Grant price: $0.00 per share Post-grant holdings: 543,381 shares

3 metrics

Shares granted 211,048 shares Common Stock grant on April 10, 2026

Grant price $0.00 per share Stated transaction price for awarded shares

Post-grant holdings 543,381 shares Total Common Stock directly held after transaction

Key Terms

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

3 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""

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^*

Dickman Thomas J

(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 Technology 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		211,048(1)	A	$0	543,381	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 Exhibit 24 to that Form 4 filed by the Reporting Person 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 FLD’s CTO report on this Form 4?

Fold Holdings’ CTO Thomas J. Dickman reported receiving 211,048 shares of Common Stock. These are tied to restricted stock units that will deliver shares as they vest, increasing his direct holdings to 543,381 shares after the grant.

Was the FLD CTO’s Form 4 transaction a market purchase or sale?

The Form 4 shows a grant or award acquisition, not a market trade. Code “A” indicates 211,048 shares of Common Stock were awarded at $0.00 per share, linked to restricted stock units that vest over time rather than open-market buying or selling.

How many FLD shares does CTO Thomas J. Dickman hold after this award?

After the reported grant, Thomas J. Dickman directly holds 543,381 shares of Fold Holdings Common Stock. This figure reflects his position following the 211,048-share award connected to restricted stock units that become issuable as vesting conditions are satisfied.

What does the restricted stock unit footnote mean in the FLD Form 4?

The footnote states the reported shares represent Common Stock issuable upon vesting of restricted stock units. This means Dickman will receive actual FLD shares only as the RSUs vest, aligning his compensation with company performance and continued service conditions.

What transaction code is used in the FLD CTO’s Form 4 and what does it indicate?

The Form 4 uses transaction code “A,” described as a grant, award, or other acquisition. This indicates the 211,048 FLD Common Stock shares were granted as compensation rather than bought or sold in the open market, with delivery tied to restricted stock unit vesting.