Fold Holdings (FLD) COO granted 286,104 RSU-based common shares

Rhea-AI Filing Summary

McManus Matt reported acquisition or exercise transactions in this Form 4 filing.

Fold Holdings, Inc. Chief Operating Officer Matt McManus received an equity compensation grant of 286,104 shares of Common Stock on April 10, 2026. The award was recorded at a price of $0.0000 per share as a grant or award, not an open-market purchase or sale.

According to the footnote, these shares are issuable upon vesting of restricted stock units, meaning McManus will receive the underlying Common Stock as vesting conditions are met. After this grant, he directly holds 394,912 shares of Fold Holdings Common Stock.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider McManus Matt

Role Chief Operating Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	286,104	$0.00	--

Holdings After Transaction: Common Stock — 394,912 shares (Direct)

Footnotes (1)

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Key Figures

Equity grant size: 286,104 shares Grant price per share: $0.0000 per share Shares held after transaction: 394,912 shares

3 metrics

Equity grant size 286,104 shares Common Stock grant on April 10, 2026

Grant price per share $0.0000 per share Recorded grant/award acquisition price

Shares held after transaction 394,912 shares Total Common Stock directly owned after grant

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^*

McManus Matt

(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 Operating 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		286,104(1)	A	$0	394,912	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

	/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 COO Matt McManus report on this Form 4?

Matt McManus reported an equity grant of 286,104 shares of Fold Holdings Common Stock. The filing characterizes this as a grant or award acquisition at $0.0000 per share, rather than an open-market purchase or sale, reflecting compensation rather than trading activity.

Are the 286,104 FLD shares for Matt McManus immediately owned or tied to RSUs?

The 286,104 shares are tied to restricted stock units that vest over time. The footnote states they represent shares of Common Stock issuable upon vesting of restricted stock units, so McManus receives actual shares only as vesting conditions are satisfied.

How many Fold Holdings (FLD) shares does Matt McManus hold after this grant?

Following the reported transaction, Matt McManus directly holds 394,912 shares of Fold Holdings Common Stock. This total includes the newly granted 286,104 shares associated with restricted stock units, subject to the vesting terms described in the Form 4 footnote.

Was the FLD COO’s Form 4 transaction a market buy or sell of shares?

No, the Form 4 does not show a market buy or sell. The transaction is coded as a grant, award, or other acquisition at $0.0000 per share, indicating a compensation-related award of equity rather than an open-market purchase or sale of Fold Holdings stock.

What does the $0.0000 per share price mean in the FLD Form 4 grant?

The $0.0000 per share price indicates the award was received at no cash cost to Matt McManus. This is typical for restricted stock unit or similar equity compensation grants, where value comes from future vesting of shares rather than a cash purchase on the market.