Thomas J. Dickman - 18 Feb 2026 Form 4 Insider Report for Fold Holdings, Inc. (FLD)

Role
Chief Technology Officer
Signature
/s/ Audrey Bartosh, Attorney-in-Fact
Issuer symbol
FLD
Transactions as of
18 Feb 2026
Net transactions value
-$267,691
Form type
4
Filing time
20 Feb 2026, 21:30:08 UTC
Previous filing
20 May 2025
Next filing
03 Mar 2026
SEC
View on sec.gov

Reporting Owners (1)

Name Relationship Address Signature Signature date CIK
Dickman Thomas J Chief Technology Officer 2942 NORTH 24TH ST, SUITE 115, #42035, PHOENIX /s/ Audrey Bartosh, Attorney-in-Fact 20 Feb 2026 0002057497

Transactions Table

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Ownership Footnotes
transaction FLD Common Stock Options Exercise +330,126 +220% 480,126 18 Feb 2026 Direct F2
transaction FLD Common Stock Options Exercise +20,633 +4.3% 500,759 18 Feb 2026 Direct F2
transaction FLD Common Stock Options Exercise +7,847 +1.6% 508,606 18 Feb 2026 Direct F2
transaction FLD Common Stock Options Exercise +498 +0.1% 509,104 18 Feb 2026 Direct F2
transaction FLD Common Stock Other $223,934 -152,336 -30% $1.47 356,768 18 Feb 2026 Direct F3
transaction FLD Common Stock Other $13,543 -9,213 -2.6% $1.47 347,555 18 Feb 2026 Direct F3
transaction FLD Common Stock Other $5,151 -3,504 -1% $1.47 344,051 18 Feb 2026 Direct F3
transaction FLD Common Stock Other $328 -223 -0.06% $1.47 343,828 18 Feb 2026 Direct F3
transaction FLD Common Stock Other $16,410 -11,163 -3.2% $1.47 332,665 18 Feb 2026 Direct F4
transaction FLD Common Stock Other $8,206 -5,582 -1.7% $1.47 327,083 18 Feb 2026 Direct F4
transaction FLD Common Stock Options Exercise +178 +0.05% 327,261 19 Feb 2026 Direct F2
transaction FLD Common Stock Other $120 -80 -0.02% $1.50 327,181 19 Feb 2026 Direct F10

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Underlying Class Amount Exercise Price Ownership Footnotes
transaction FLD Restricted Stock Units Options Exercise -330,126 -100% 0 18 Feb 2026 Common Stock 330,126 Direct F1, F5, F6
transaction FLD Restricted Stock Units Options Exercise -20,633 -100% 0 18 Feb 2026 Common Stock 20,633 Direct F1, F5, F7
transaction FLD Restricted Stock Units Options Exercise -7,847 -92% 714 18 Feb 2026 Common Stock 7,847 Direct F1, F5, F8
transaction FLD Restricted Stock Units Options Exercise -498 -60% 327 18 Feb 2026 Common Stock 498 Direct F1, F5, F9
transaction FLD Restricted Stock Units Options Exercise -178 -25% 536 19 Feb 2026 Common Stock 178 Direct F1, F5, F8
* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id Content
F1 Not applicable.
F2 Restricted stock units convert into common stock on a one-for-one basis.
F3 Shares withheld to satisfy tax liability upon settlement of RSUs on February 18, 2026.
F4 Represents shares withheld to satisfy tax liability upon vesting and settlement of restricted stock unit grants previously reported as Common Stock in Table I.
F5 Represents securities received as part of the Issuer's business combination, in connection with that certain Agreement and Plan of Merger, dated as of July 24, 2024 (the "Merger Agreement"), by and among the Issuer (formerly FTAC Emerald Acquisition Corp.), FTAC EMLD Merger Sub Inc. and Fold, Inc. ("Legacy Fold"), pursuant to which each outstanding Legacy Fold RSU Award was automatically converted into an award of restricted stock units covering a number of shares of the Issuer's Common Stock based on the exchange ratio described in the Issuer's Registration Statement on Form S-4, as amended (Reg. No. 333-282520).
F6 The restricted stock units vested in 48 equal monthly installments beginning on August 20, 2019, subject to Mr. Dickman's continued service through the applicable vesting date and a liquidity event vesting condition.The liquidity event vesting condition was deemed met upon the merger of Legacy Fold, Issuer and FTAC EMLD Merger Sub Inc. on February 14, 2025 (the "Merger"). Due to restrictions imposed by the Company's equity plan administrator, none of the vested units were settled until February 18, 2026.
F7 The restricted stock units vested in 48 equal monthly installments beginning on December 1, 2020, subject to Mr. Dickman's continued service through the applicable vesting date and a liquidity event vesting condition. The liquidity event vesting condition was deemed met upon the Merger. Due to restrictions imposed by the Company's equity plan administrator, none of the vested units were settled until February 18, 2026.
F8 The restricted stock units vest as to one-fourth of the underlying shares beginning on May 19, 2023 and thereafter in 48 equal monthly installments, subject to Mr. Dickman's continued service through the applicable vesting date and a liquidity event vesting condition.The liquidity event vesting condition was deemed met upon the Merger. Due to restrictions imposed by the Company's equity plan administrator, none of the previously vested units were settled until February 18, 2026.
F9 The restricted stock units vest as to one-fourth of the underlying shares beginning on September 1, 2024 and thereafter in 48 equal monthly installments, subject to Mr. Dickman's continued service through the applicable vesting date and a liquidity event vesting condition. The liquidity event vesting condition was deemed met upon the Merger. Due to restrictions imposed by the Company's equity plan administrator, none of the vested units were settled until February 18, 2026.
F10 Shares withheld to satisfy tax liability on vesting and settlement of RSUs on February 19, 2026.

Remarks:

Exhibit 24 - Power of Attorney